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  • Section 80DD vs Section 80U: Key Differences

    by Tanmay Ahuja | Apr 22, 2025

    The Indian government provides tax benefits to individuals who have disabilities or take care of disabled family members. Two important sections in the Income Tax Act that help with this are Section 80DD and Section 80U. While both sections provide tax deductions, they apply to different situations.

    This blog will explain what these sections mean and the differences between 80DD vs 80U

    Section 80DD of the Income Tax Act: What is it? 

    Section 80DD helps individuals or Hindu Undivided Families (HUFs) who financially support a disabled family member. The 80DD income tax deduction goes to the caregiver, not the disabled person.

    Who can claim?

    • Any individual or HUF looking after a dependent with a disability.

    Who is considered a dependent?

    • For individuals: Spouses, children, parents, brothers, or sisters.
    • For HUFs: Any family member.

    What expenses are covered?

    • Medical treatment, nursing, and rehabilitation of the disabled person.
    • Payments for a health insurance policy that ensures future care for the disabled person.

    How much deduction can you get?

    • ₹75,000 if the disability is between 40% and 80%.
    • ₹1,25,000 for severe disabilities (80% or more).

    Section 80U of the Income Tax Act: What is it? 

    Section 80U of the Income Tax Act provides tax relief directly to people who have a disability. Unlike Section 80DD, this deduction is for the disabled person, not their caregiver.

    Who can claim?

    • Only a resident individual with a certified disability.

    What are the requirements?

    • A medical certificate is needed as proof of disability.

    How much deduction can you get?

    • ₹75,000 for disabilities between 40% and 80%.
    • ₹1,25,000 for severe disabilities (80% or more).

    What disabilities qualify?

    Some of the recognised disabilities include:

    • Blindness or low vision
    • Hearing impairment
    • Intellectual disability
    • Autism
    • Cerebral palsy
    • Locomotor disability

    Difference between 80DD and 80U 

    Feature

    Section 80DD

    Section 80U

    Who can claim?

    Family member taking care of a disabled dependent

    A person with a disability

    Who benefits?

    The dependent with a disability

    The individual who has a disability

    Proof required?

    Medical certificate + proof of expenses or insurance policy

    Only a medical certificate

    Deduction amount

    ₹75,000 (40%-80% disability), ₹1,25,000 (80% and above)

    ₹75,000 (40%-80% disability), ₹1,25,000 (80% and above)

    Type of expenses covered

    Medical treatment, rehabilitation, critical illness insurance

    No need to show any expenses

    Conclusion 

    Both Section 80DD and Section 80U provide tax benefits related to disabilities, but they apply to different people. 

    It is important to understand the difference between 80DD and 80U and have the necessary medical certificates to claim these deductions. These tax benefits always help minimise the financial burden on disabled individuals and their families, encouraging better healthcare and support.





    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.

  • Section 80DD vs Section 80DDB: Key Differences

    by Tanmay Ahuja | Apr 22, 2025

    Tax benefits play a crucial role in financial planning. The Indian Income Tax Act provides deductions under various sections to ease taxpayers' financial burdens. Two important provisions, Section 80DD and Section 80DDB, offer deductions for medical expenses. While both sections focus on healthcare costs, they differ in purpose, eligibility, and deduction limits. In this blog, let us look at the difference between 80DD and 80DDB.

    What is Section 80DD of Income Tax Act?

    Section 80ddb of Income Tax Act provides tax deductions to individuals or Hindu Undivided Families (HUFs) who incur expenses for the medical care of a disabled dependent. This includes expenditures for nursing, rehabilitation, training, and insurance policies designed for the dependent's welfare.

    Covered disabilities

    • Mental illnesses and neurological disorders (Autism, Cerebral Palsy, Parkinson'sParkinson's Disease).
    • Visual impairments (Blindness, Low Vision).
    • Locomotor disabilities.
    • Hearing impairments.

    What is Section 80DDB of Income Tax Act?

    Section 80dd of Income Tax Act allows tax deductions for individuals and HUFs who incur medical expenses for themselves or dependents suffering from specified diseases. This section helps those dealing with high treatment costs for critical illnesses.

    Covered diseases

    • Neurological diseases (Dementia, Parkinson's, etc.)
    • Malignant Cancers
    • AIDS
    • Chronic Kidney Failure
    • Haematological disorders (Haemophilia, Thalassemia)

    Difference between 80DD and 80DDB

    80DD vs 80DDB provide tax relief for medical expenses, but they differ in their scope and applicability.

    Feature

    Section 80DD

    Section 80DDB

    Purpose

    Covers expenses for dependents with disabilities

    Covers treatment costs for specified diseases

    Who can claim?

    Individual or HUF with a disabled dependent

    Individual or HUF paying for medical treatment

    Deduction amount

    ₹75,000 (40%-80% disability) ₹1,25,000 (80%+)

    ₹40,000 (below 60 years) ₹1,00,000 (60+ years)

    Medical certificate

    Yes, from a government hospital

    Yes, from a specialist doctor

    Insurance impact

    Not affected by insurance

    Deduction reduced if expenses are reimbursed

    Conclusion

    Sections 80DD and 80DDB provide valuable tax benefits for medical expenses. If you are supporting a disabled dependent, section 80DD helps cover medical and rehabilitation costs. If you or your family members need treatment for critical illnesses, section 80DDB offers tax relief.

    While these deductions reduce tax liability, medical expenses can still be overwhelming, especially for serious illnesses or long-term treatments. This is where comprehensive health insurance plans become essential. Thus, a good policy ensures financial protection, access to quality treatment and reduced out-of-pocket expenses.

    For senior citizens, healthcare costs can be even higher due to age-related illnesses. Moreover, a senior citizen health insurance policy provides cashless hospitalisation, coverage for critical illnesses, and higher sum insured options.



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

  • Aarogya Raksha Hospital List

    by Tanmay Ahuja | Apr 22, 2025

    Healthcare expenses are rising, making medical treatment a financial burden for many families. The Aarogya Raksha policy aims to ease this burden by offering affordable health insurance coverage. It provides financial support for medical treatments at a wide network of hospitals. In this blog let us look at the Arogya Raksha policy hospital list.

    What is Aarogya Raksha policy?

    Aarogya Raksha Policy is a government‐backed healthcare initiative that ensures citizens have access to affordable treatment. Moreover, it covers medical services, supporting both preventive and emergency care.

    Aarogya Raksha hospital list

    The hospitals under the Aarogya Raksha scheme are divided into two categories: government and private hospitals. Each category has been chosen based on its commitment to quality care and prompt services. The network covers hospitals in urban, semi‐urban, and rural areas, ensuring that geographical location does not become a barrier to receiving timely medical attention.

    Patients can select a facility based on their needs, urgency, and the level of specialised care required.

    Government hospital

    Government hospitals are the backbone of public health. They offer cost‐effective and accessible services to a wide community. They typically include:

    Hospital Name

    Code

    Location

    Area Hospital, Peddapuram

    Ah-pdp

    East Godavari

    Area Hospital, Tadipatri

    Aht-ant

    Anantapur

    Area Hospital-Badrachalam

    Ah-bdcm

    Badradri

    Area Hospital-Chandragiri

    Ah-chgri

    Chittoor

    Area Hospital-Golconda

    Ah-glnd

    Hyderabad

    Private hospital

    Private hospitals offer modern facilities and a personalised approach. They often provide shorter waiting times and advanced treatments. The Arogya Raksha Hospital list includes:

    Hospital Name

    Code

    Location

    Abhilash Netra Vydya Sala

    Anvs-kdp

    YSR Kadapa

    Abhinav Nursing Home

    Anh-vzr

    Vizianagaram

    Agraseni Hospital

    Ash-knl

    Kurnool

    Ahalya Hospital

    Ahly-gnt

    Guntur

    Ahalya Nursing Home

    Anh-gnt

    Guntur

    Conclusion

    Choosing the right hospital for treatment is essential when using the Aarogya Raksha policy. Both government and private hospitals have their advantages depending on the needs of the patient. Even though government hospitals offer cost-effective treatments, private hospitals provide quicker access to specialised care.

    Despite the benefits of government schemes, health emergencies can be unpredictable, and not all treatments may be covered under Aarogya Raksha. That is when having a comprehensive health insurance policy becomes essential. Good health insurance for parents and yourself can provide broader coverage, including critical illness treatments, specialist consultations and advanced medical procedures. Thus investing in health insurance ensures financial security and access to the best medical 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 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.

  • Discover the Health Benefits of Grapeseed Oil

    by Almog Ramrajkar | Apr 22, 2025

    Grapeseed oil is a popular cooking and skincare ingredient made by extracting oil from grape seeds. Since these seeds are a result of the winemaking process, they are used effectively rather than going to waste. Rich in healthy components such as vitamin E, fatty acids, and antioxidants, it provides a host of health benefits.

    Read on to discuss the health benefits of grapeseed oil and how it may enhance your general health.

    What Are the Health Benefits of Grapeseed Oil?

    The following are the key benefits of consuming grapeseed oil:

    • Rich in Antioxidants: Antioxidants like flavonoids, phenolic acids, and vitamin E are abundant in grapeseed oil. These substances aid in protecting your body from free radicals, which can contribute to faster ageing and illnesses like cancer.
    • Supports Heart Health: Grapeseed oil contains healthy fats, particularly omega-6 fatty acids. Moderate consumption of these fats may help lessen the risk of heart disease by boosting HDL (good cholesterol) and lowering LDL (bad cholesterol).
    • Promotes Healthy Skin: Vitamin E and other antioxidants in grapeseed oil are beneficial for skin health. Grapeseed oil can reduce inflammation, increase skin suppleness, and prevent UV rays damage. Another common component of moisturisers, grapeseed oil keeps your skin nourished and smooth.
    • Boosts Wound Healing: Wounds heal more quickly thanks to grapeseed oil's antibacterial and anti-inflammatory properties. Additionally, it has linoleic acid which is necessary for skin regeneration and healing.
    • Improves Hair Health: Grapeseed oil can help strengthen hair and reduce dandruff due to its moisturising properties. Massaging it into your scalp boosts blood circulation, promoting healthy hair growth.
    • Reduces Inflammation: Numerous illnesses, such as diabetes and arthritis, are associated with chronic inflammation. Grapeseed oil has anti-inflammatory chemicals that also reduce the associated symptoms that come with it.
    • Helps with Weight Management: The healthy fats in grapeseed oil can increase feelings of fullness, helping you control your appetite.

    Conclusion

    Grapeseed oil is not only a versatile cooking ingredient but also a natural way to support your health. Whether you use grapeseed oil in your diet or as part of your beauty routine, it offers several benefits that make it a beneficial addition to your lifestyle. In addition to adopting a healthy diet it's wise to take other wellness measures, such as regular consults with your healthcare provider. These and any medical emergencies can be covered with the help of a comprehensive health insurance plan.


     

    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.

  • Avocado Oil: Key Health Benefits

    by Almog Ramrajkar | Apr 22, 2025

    Avocados are a nutrient-rich type of berry that contains many nutrients. Alongside the flesh of the avocado, its oil derivative also offers numerous benefits when incorporated into healthy diets. Read on to learn more about the health benefits of avocado oil.

    What are the Health Benefits of Avocado Oil?

    The amazing health benefits of avocado oil stem from its impressive nutritional profile. It contains healthy monounsaturated fatty acids. Additionally, its rich content of carotenoids, antioxidants, and essential vitamins like A and K make it one of the healthiest edible oils.

    The following are some key benefits of consuming avocado oil:

    • Protects against chronic diseases: The healthy unsaturated fats found in abundance in avocado oil make it particularly helpful in preventing cardiovascular illnesses. Avocado oil helps lower the levels of bad cholesterol, thereby acting as a protective mechanism for the heart.
    • Beneficial for the eyes: The naturally occurring carotenoid lutein found in avocado oil has antioxidant properties that immensely benefit the eyes. Consuming the oil in appropriate amounts maintains eye health and affords protection against age-related eye diseases.
    • Protects against free radicals: Free radicals are unstable compounds that are harmful for the body since they lead to an increase in oxidative stress. This can cause serious health complications through damage to the body’s cells. Avocado oil can help counter this harm with its antioxidant-rich nature.
    • Natural Anti-Inflammatory: Chronic illnesses like arthritis persist due to inflammation in the joints. Osteoarthritis, the most common type of arthritis, is caused by a breakdown of joint cartilage. Avocado oil can alleviate the stiffness associated with this type of arthritis.

    Conclusion

    Avocado oil offers numerous health benefits when used as a cooking oil, making it a great addition to a balanced lifestyle. Incorporating such healthy substitutions can promote overall well-being. In addition to maintaining a healthy diet, it is important to have regular consultations with your health insurance provider, which can be covered by a comprehensive health insurance policy. A medical insurance plan can also provide financial protection in the event of a medical emergency.



    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.

  • Canola Oil: Heart-Healthy Benefits

    by Almog Ramrajkar | Apr 22, 2025

    Canola oil is a common cooking oil used across households in India. Derived from the crossbreeding of the rapeseed plant, it offers many health benefits, making it a versatile choice for cooking.

    Read on to learn more about the health benefits of canola oil.

    What Are the Health Benefits of Canola Oil?

    Canola is a good source of many nutrients and minerals, making it a helpful addition to household cooking.

    The notable health benefits of canola oil are as follows:

    • Heart healthy: Canola oil is rich in monounsaturated fats, including omega-9, which help regulate cholesterol levels in the body. The phytosterols in canola oil reduce cholesterol absorption through other food items as well, reducing the risk of blockage and improving heart health.
    • Helpful for diabetics: Canola oil can be a viable cooking oil option for individuals suffering from diabetes. The oil can regulate blood sugar levels due to its low saturated fat content. This works to eventually stimulate insulin secretion.
    • Nutrient dense: Canola oil is a great source of vitamins E and K, both incredibly important for overall wellness. This makes the oil rich in antioxidants and compounds that improve the blood's clotting function.
    • Great for weight loss: Canola oil contains only 7% saturated fat. This is one of the lowest among common cooking oils. To paint a more accurate picture, olive oil is 14% saturated fat. This makes canola oil great for those looking to lose weight or improve wellness.

    Conclusion

    Although canola oil has numerous health benefits, it is essential to consume it in moderation to take full advantage of its health benefits. Along with adopting a healthy diet, it is necessary to regularly seek input from your healthcare provider. Regular check-ups can also help you keep track of your overall wellness. Comprehensive health insurance plans can cover the cost of this essential care and protect you during 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.

  • Groundnut Oil: Health Benefits for Everyday Cooking

    by Almog Ramrajkar | Apr 22, 2025

    Groundnut oil is a common cooking oil made from peanuts. Known for its versatile nature and high smoking point, this oil offers numerous health advantages when used in household cooking. If you’re looking to make some health changes to your diet, groundnut oil can offer the nutrient boost you need.

    Read on to explore the various health benefits of groundnut oil.

    What Are the Health Benefits of Groundnut Oil? 

    The following are some of the key advantages of using groundnut oil in cooking:

    • Heart Health: Groundnut oil is rich in heart-friendly monounsaturated and polyunsaturated fats. These fats lower the levels of bad cholesterol, consequently reducing the risk of heart disease.
    • Rich in Antioxidants: Groundnut oil is packed with Vitamin E, a powerful antioxidant. This reduces the chance of developing chronic illness.
    • Better Skin Condition: Vitamin E in groundnut oil is also thought to reduce the appearance of harsh lines and wrinkles on the face, promoting a youthful appearance and improving skin health.
    • Increasing Immunity: Groundnut oil contains high levels of various nutrients. These support the immune system, making the oil a great complementary cooking ingredient.
    • Supports Brain Function: The healthy nutrients like vitamins A and E in this oil improve cognitive function. It improves memory and concentration levels while reducing neurological disorders in older adults.
    • Aids in Weight Management: Groundnut oil promotes feelings of satiety, which can curb overeating, thereby supporting weight loss. However, the oil must be consumed in moderation as it is also calorie-dense.
    • Improves Digestion: Groundnut oil’s mild composition makes it easy on the stomach, thus reducing various digestive issues.

    Conclusion

    Groundnut oil is a nutrient-dense kitchen staple that helps increase both physical and mental fitness. The various benefits of this oil make it an ideal option for daily cooking.

    While groundnut oil can improve your health, ensure that you safeguard your health with preventative healthcare, such as a comprehensive health insurance plan that can provide financial coverage for any health issues.


     

    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.

  • Health Benefits of Sesame Oil: Key Advantages

    by Almog Ramrajkar | Apr 22, 2025

    Sesame oil, made from sesame seeds, is a popular cooking oil across the world. In addition to being used in food, it is also employed in traditional medicine and skincare because of its rich flavour and aroma. Rich in minerals, this golden oil offers a number of health advantages.

    Let's examine why adding sesame oil to your diet is thought to be beneficial.

    What Are the Health Benefits of Sesame Oil?

    Packed with healthy fats, vitamins, and antioxidants, there are numerous health benefits of sesame oil.

    • Rich in Healthy Fats: Sesame oil is high in unsaturated fats, which are good for heart health. These fats minimise the risk of heart disease by increasing HDL (good cholesterol) and decreasing LDL (bad cholesterol).
    • Full of Antioxidants: Sesamol and sesaminol, two potent antioxidants included in this oil, aid in the body's defence against free radicals. Antioxidants minimise the risk of chronic diseases by preventing cell damage and reducing inflammation.
    • Supports Heart Health: Sesame oil can improve heart function and blood circulation. The healthy fats and antioxidants in sesame oil moderate blood pressure and reduce the chances of blockages.
    • Improves Skin Health: Because of its healing and moisturising qualities, sesame oil is frequently utilised in skincare products. Its Vitamin E content protects and nourishes the skin. Additionally, it helps with small cuts, eczema, and dry skin.
    • Boosts Oral Health: In traditional practices like Ayurveda, sesame oil is used for oil pulling. Swishing sesame oil in your mouth can reduce harmful bacteria, prevent bad breath, and improve gum health.
    • Reduces Inflammation: Because of its inherent anti-inflammatory qualities, sesame oil can help reduce pain and swelling in ailments like arthritis.
    • Supports Bone Health: Calcium, magnesium, and zinc—all necessary for strong, healthy bones—can be found in sesame oil. By using sesame oil in your diet, you can prevent osteoporosis and other issues related to your bones.
    • Regulates Blood Sugar: For people with diabetes, sesame oil can help regulate blood sugar levels. Sesame oil enhances the body's ability to absorb glucose.

    Conclusion

    Sesame oil is a natural powerhouse of health benefits. Whether you use it in cooking, apply it on your skin, or try oil pulling, it can improve your overall well-being. The heart, skin, hair, and more are all supported by sesame oil, which is abundant in heart-healthy fats, antioxidants, and vital nutrients. Even though natural treatments like sesame oil might improve your health it's crucial to get quality health insurance to make sure you're protected against unforeseen medical problems.


     

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

  • Benefits of Hibiscus for Hair Growth

    by mohit bohra | Apr 22, 2025

    Hair care is deeply personal, varying based on texture, length, and individual goals. While routines differ, nourishment and growth remain key priorities for many. One powerful natural remedy for promoting healthy hair is hibiscus—a flower celebrated not only for its vibrant petals but also for its exceptional hair-nourishing properties.

    In this article, we’ll explore the benefits of hibiscus and how to seamlessly incorporate it into your hair care routine for stronger, healthier locks.

    Is hibiscus good for hair growth?

    Hibiscus is an age-old remedy for hair problems, praised for its ability to nourish hair follicles and promote growth. The petals and leaves of the hibiscus plant are rich in vitamins, antioxidants, and amino acids, all essential for healthy hair.

    The primary reason hibiscus is effective for hair growth is stimulating blood circulation to the scalp. This ensures that hair follicles receive adequate nutrients, leading to stronger and healthier hair. Moreover, hibiscus helps combat hair loss by strengthening the roots and preventing premature greying, making it an all-around solution for various hair issues.

    How to use hibiscus for hair growth?

    There are multiple ways to use hibiscus to boost hair growth.

    1. Hibiscus oil

    The benefits of hibiscus oil for hair are immense. Infusing hibiscus flowers and leaves into a carrier oil, such as almond or coconut, creates a potent concoction. Massage this oil onto your scalp to improve blood circulation and nourish your hair roots.

    1. Hibiscus hair mask

    Grind fresh hibiscus leaves and petals into a fine paste and mix it with yoghurt or aloe vera gel. Apply this mask to your scalp and hair, and leave it on for 30 minutes before rinsing. This helps condition the hair and promotes growth.

    1. Hibiscus tea rinse

    Boil hibiscus petals in water to create a tea rinse. Use it as a final rinse after shampooing to add shine and enhance hair strength.

    1. Hibiscus shampoo

    Mix hibiscus powder with a mild shampoo or natural cleanser like shikakai, or opt for shampoos with hibiscus as the main ingredient to cleanse your hair without stripping its natural oils.

    Benefits of hibiscus for hair growth

    Hibiscus has numerous advantages, making it a staple in natural hair care routines.

    Here’s a closer look at the benefits of hibiscus for hair:

    1. Stimulates hair growth

    Hibiscus is packed with amino acids. These are building blocks for keratin, the protein that makes up hair. This accelerates hair growth and strengthens hair strands.

    1. Prevents hair fall

    Hibiscus strengthens hair follicles, reduces breakage and prevents hair fall. It nourishes the skin of the scalp and improves blood circulation.

    1. Combats dandruff

    The antimicrobial and astringent properties of hibiscus maintain a healthy scalp, preventing dandruff and itchiness.

    1. Delays premature greying

    Rich in antioxidants and vitamins, hibiscus helps maintain the natural colour of your hair and delays the onset of grey strands.

    1. Conditions hair naturally

    Hibiscus is a natural conditioner that makes hair soft, shiny, smooth, and manageable. It also helps reduce frizz.

    DIY hibiscus recipes for hair growth at home

    Here are some DIY hibiscus recipes that you can try for effective hair growth:

    1. Hibiscus and coconut oil hair mask

    Ingredients:

    • 2 hibiscus flowers
    • A handful of hibiscus leaves
    • 2 tablespoons of coconut oil

    Instructions:

    • Blend the flowers and leaves into a fine paste.
    • Heat the coconut oil slightly and mix it with the paste.
    • Spread the mixture evenly onto your scalp and hair.
    • Let it rest for 30-40 minutes before washing with a mild shampoo.

     

    1. Hibiscus and yoghurt hair pack

    Ingredients:

    • 3 hibiscus flowers
    • 2 tablespoons of yoghurt

    Instructions:

    • Crush the hibiscus flowers to extract a paste.
    • Mix it with yoghurt to form a smooth consistency.
    • Apply evenly to your hair and scalp.
    • Let it sit for 20 minutes and rinse with lukewarm water.

     

    1. Hibiscus tea hair rinse

    Ingredients:

    • 5 hibiscus petals
    • 2 cups of water

    Instructions:

    • Boil the petals in water for 10 minutes.
    • Strain and cool the liquid.
    • Use it as a final rinse after shampooing.

    FAQs

    1. Can hibiscus cause any side effects on the scalp?

    Hibiscus is generally safe for all hair types and rarely causes side effects. However, do a patch test before using it, especially if you have a sensitive scalp.

    1. For hair growth, how often should hibiscus be used?

    For best results, use hibiscus-based treatments 2-3 times a week.

    1. Can hibiscus be used with other natural ingredients?

    Yes, hibiscus pairs well with aloe vera, coconut oil, yoghurt, and fenugreek for enhanced benefits.

    1. Is hibiscus effective for bald patches?

    While hibiscus promotes hair regrowth and strengthens follicles, its effectiveness on bald patches depends on the underlying cause of hair loss. Consistent use can improve overall scalp health and encourage hair regrowth.

    Conclusion

    Hibiscus is a powerhouse of nutrients that can transform your hair care routine. The benefits of hibiscus oil for hair and other hibiscus-based remedies can help you achieve longer, stronger, and healthier locks. Whether you apply it as a hair mask, oil, or tea rinse, hibiscus can be a game-changer for your hair care routine.

    For the best results, consistency is key. Combine hibiscus treatments with a balanced diet and a proper hair care regimen to promote stronger, healthier hair. Additionally, prioritising regular health check-ups ensures overall well-being, while a reliable health insurance policy provides financial security for unexpected 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 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.

  • Dandruff: Causes, treatment and prevention

    by mohit bohra | Apr 22, 2025

    Dandruff is a prevalent scalp issue affecting many individuals. It causes flakes of dead skin to shed from the scalp. While it may not lead to a serious health risk, it can cause irritation, embarrassment, and discomfort. Identifying the causes and finding effective treatments can help alleviate its symptoms and prevent future flare-ups.

    Here is a complete guide to understanding the causes of dandruff, its symptoms, treatment, effective home remedies, and when to seek professional help.

    What are the causes of dandruff?

    Dandruff can be triggered by several factors, some related to lifestyle and others due to underlying health conditions.

    1. Dry Skin: When your scalp becomes dry, it can form flakes that shed easily.
    2. Seborrheic Dermatitis: A severe condition where the scalp becomes inflamed and oily. It can also affect other body areas with oil-producing glands, such as the eyebrows, nose, and chest.
    3. Malassezia Fungi: A naturally occurring fungus that can sometimes overgrow, leading to various skin conditions like irritation and increased shedding of skin cells, which results in dandruff.
    4. Sensitivity to Hair Products: Some people may develop dandruff due to sensitivity or an allergic reaction to ingredients in certain shampoos, conditioners, or hair dyes.
    5. Not Shampooing Enough: Infrequent hair washing can lead to a pileup of dead skin and oils on the scalp, which contributes to dandruff formation.
    6. Other Factors: Stress, hormonal changes, and medical conditions like Parkinson’s disease or HIV can also cause dandruff.

    Dandruff symptoms

    The most obvious symptom of dandruff is flakes in the hair or on the shoulders. Other symptoms include:

    1. Itchy Scalp: Among the most uncomfortable symptoms of dandruff is scalp itching, which often accompanies the flaking.
    2. Scalp Redness: The scalp may become irritated or red, particularly in seborrheic dermatitis.
    3. Dry or Oily Scalp: Depending on the cause of dandruff, the scalp can either feel dry or greasy. In seborrheic dermatitis, the scalp tends to be oily, while dry skin leads to a flakier scalp.
    4. Visible Flakes: As dead skin is shed from the scalp, it becomes visible as small, white flakes in the hair or on clothing.

    Treatment for dandruff

    Treatment of dandruff depends on its root cause and severity. You can treat dandruff using:

    1. Shampoos with Active Ingredients

    Specialised anti-dandruff shampoos are often the first option. Key ingredients to look for:

    • Zinc Pyrithione: Reduces the fungus Malassezia and reduces inflammation.
    • Ketoconazole: A strong antifungal that targets scalp fungi.
    • Selenium Sulfide: Reduces fungal growth and controls shedding.
    1. Topical Corticosteroids

    In cases of seborrheic dermatitis or extreme inflammation, a doctor may prescribe corticosteroid creams or lotions to reduce redness and itching.

    1. Prescription Treatments

    If over-the-counter shampoos do not work, a doctor may recommend stronger treatments or oral antifungal medications.

    Home remedies to treat dandruff

    Natural remedies can minimise the symptoms of dandruff. These include:

    1. Tea Tree Oil:

      This oil contains antibacterial and antifungal compounds that can effectively treat dry scalp. Add some drops to a shampoo or mix it with oil and massage it onto your scalp.
    2. Apple Cider Vinegar

      Balances pH level and may reduce fungal growth. Mix water and apple cider vinegar, apply it to the scalp, and leave it for about 15 minutes before rinsing.
    3. Coconut Oil

      Has moisturising and antimicrobial properties that can soothe the scalp and reduce dandruff.
    4. Aloe Vera

      Has cooling properties and may reduce scalp inflammation. Apply and leave it for about 20 minutes, and then rinse.
    5. Lemon Juice

      Balances the scalp’s pH and reduces dandruff. Massage well before washing.

    How to prevent dandruff?

    There are several ways to control dandruff. Some popular methods are as follows:

    1. Washing Hair Regularly

    Regular hair washing removes oil and dead skin cells that may contribute to dandruff. Use a gentle, sulfate-free shampoo that works for your hair type.

    1. Avoid Harsh Hair Products

    Some hair products irritate the scalp. If you have sensitive skin, choose mild, fragrance-free products.

    1. Manage Stress

    Since stress can trigger dandruff or exacerbate existing conditions, manage stress with activities like exercise or meditation to maintain a healthy scalp.

    1. Eat a Healthy Diet

    A nutritious diet can enhance overall skin health. Omega-3 fatty acids may keep the scalp moisturised and healthy.

    1. Avoid Washing Hair with Hot Water

    Hot water can strip the naturally occurring oils from your scalp, leading to dryness. Use lukewarm water instead.

    When to see the doctor for dandruff?

    While dandruff can be managed with over-the-counter shampoos and home remedies, consult a healthcare provider if you experience the following:

    • The dandruff is severe or persists despite using anti-dandruff shampoos.
    • The scalp is highly inflamed, painful, or bleeding.
    • There is noticeable hair loss or thinning.
    • Dandruff is accompanied by other symptoms like redness or swelling beyond the scalp.

    A healthcare provider can diagnose the root cause of dandruff and recommend an appropriate treatment. Where medical treatment is necessary, health insurance can help with consultation costs and treatments.

    FAQs

    1. Can dandruff be caused by not washing hair enough?

    Yes, infrequent washing can lead to an accumulation of skin debris and oils on the scalp, which can cause dandruff.

    1. Is dandruff contagious?

    No, dandruff is not contagious. It is a common condition that affects many people.

    1. Can dandruff be a sign of a serious health issue?

    Sometimes, dandruff can indicate an underlying health condition, such as seborrheic dermatitis or psoriasis. If symptoms are severe, seek medical advice.

    Conclusion

    Understanding the causes of dandruff, recognising early symptoms, and choosing the right treatment are key to managing the condition effectively. Whether you opt for home remedies or over-the-counter solutions, maintaining a healthy scalp is possible with the right approach. However, if dandruff persists or worsens, consulting a doctor is important for appropriate diagnosis and treatment.

    Prioritising regular check-ups not only helps with scalp health but also ensures overall well-being. A comprehensive health insurance policy can provide access to timely medical care, covering consultations, treatments, and any unexpected health concerns.


    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.

  • Almond Butter vs. Peanut Butter: Which One is Healthier?

    by mohit bohra | Apr 22, 2025

    Almond butter and peanut butter are two common types of sandwich spread.

    Both share a similar creamy texture and pack essential nutrients, but one may align better with your health goals. Understanding their nutritional differences is key for anyone striving for a balanced diet. This article breaks down the benefits of almond butter vs peanut butter to help you choose the healthier option.

    What is almond butter?

    Almond butter is a creamy and chunky spread made from ground almonds. The almonds are roasted and then processed into a smooth paste, which retains much of the nut’s nutritional value.

    Almond butter is often made with just almonds and oil. Some brands might include a pinch of salt or sweeteners, but the ingredient list remains relatively simple.

    Almond butter is also a viable choice for those looking for an alternative to peanut butter, especially for individuals with peanut allergies.

    What is peanut butter?

    Peanut butter is processed from ground and roasted peanuts, often enriched with added ingredients like salt, sugar, and oils to enhance its flavour. Many people love its richer, more savoury taste compared to almond butter.

    Due to its versatility, it is a staple in many diets, ranging from being spread on bread to being used in smoothies, snacks, and desserts. Peanut butter tends to have a slightly higher protein content, making it an optimal choice for those looking to meet higher protein needs.

    What are the health benefits of almond butter?

    Almond butter is a powerhouse when it comes to essential nutrients. It offers benefits such as:

    1. Healthy Fats

    Almond butter contains monounsaturated fats, which are beneficial for heart health. These fats lower the risk of cardiovascular diseases, which could ultimately lead to fewer medical expenses and lower insurance premiums.

    1. Protein Rich

    Almond butter contains protein, making it great for muscle repair and growth.

    1. Rich in Fibre

    Almond butter is great for dietary fibre, supporting digestive health and weight management.

    1. Packed with Vitamins and Minerals

    Almond butter contains vitamin E, magnesium, and potassium, which are good for immune function, muscle health, and overall well-being. These factors can lower the chances of illness.

    What are the health benefits of peanut butter?

    While both almond butter vs peanut butter have health benefits, peanut butter has some distinct advantages that enhance overall health, potentially impacting your health decisions in the long run. These include:

    1. Protein Power

    Peanut butter offers a high protein content, which is ideal for those looking to build muscle or recover post-workout. Protein repairs tissues and is essential for overall growth.

    1. Heart-Healthy Fats

    Peanut butter is rich in healthy fats, specifically monounsaturated and polyunsaturated fats. These fats improve heart health and lower cholesterol.

    1. Rich in Essential Nutrients

    Peanut butter is rich in niacin, folate, magnesium, and potassium, which maintain energy levels, support muscle function, and boost immunity.

    1. Weight Management

    Peanut butter has high protein and fat content that keep you full longer. This can prevent overeating and contribute to healthy weight management.

    Almond butter vs peanut butter: Which one to choose?

    Several factors should influence your decision when deciding between almond butter vs peanut butter.

    1. Heart Health

    The higher content of monounsaturated fats in almond butter makes it an excellent choice to manage cholesterol and lower the possibility of heart issues.

    1. Protein Needs

    Peanut butter contains more protein than almond butter, making it ideal for athletes, muscle builders, or anyone looking to recover from strenuous physical activity.

    1. Dietary Preferences

    For those with nut allergies or preferences for plant-based foods, almond butter is the safe choice. However, if you are looking for a spread with a richer, more savoury flavour, peanut butter may suit your taste.

    1. Impact on Health Insurance:

    A nutritious diet that includes either of these nut butter can lead to improved health outcomes, potentially lowering your need for extensive medical care. Which means, it can lower your healthcare costs in the long run.

    FAQs

    1. Are almond butter and peanut butter good for weight loss?

    Yes, both can support weight management due to their fibre, healthy fats, and protein. However, almond butter may have a slight edge for those looking to maintain a lower-calorie diet, as it contains fewer calories per serving.

    1. Which one is healthier, almond butter or peanut butter?

    Both are nutritious, although almond butter has high content of vitamin E, magnesium, and healthy fats. Peanut butter, however, provides more protein, making it ideal for those with higher protein needs.

    1. Can consuming these nut butter affect my health insurance?

    While nut butters don’t directly affect health insurance, maintaining a balanced diet and good health can result in fewer medical claims, potentially impacting insurance premiums.

    1. Is it safe to eat almond butter vs peanut butter every day?

    Yes, both can be part of a daily diet. However, due to their high-calorie content, moderation is key. It’s best to incorporate them into a balanced diet to avoid exceeding calorie requirements.

    Conclusion

    Choosing between almond butter vs peanut butter comes down to your nutritional goals and personal preferences. Both offer significant health benefits.

    If you prioritise heart health or want a lower-calorie option, almond butter may be better. Peanut butter is ideal for those looking for more protein or prefer a richer taste.

    And when we talk about health, it’s not just about what we eat—investing in reliable health insurance is equally important. An appropriate insurance ensures coverage against illness and accidents while covering various other services like doctor visits, prescription bills and even emergency treatments. 


    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.

  • Health Benefits of Water Apple

    by Tanmay Ahuja | Apr 22, 2025

    Water apple, also known as Syzygium aqueum, is a tropical fruit with high water content and a refreshing taste. Rich in essential nutrients, water apple is prized for its various health benefits, making it a valuable addition to a balanced diet. Including water apple in your meals can contribute to overall wellness, helping with hydration, immunity and more. Here’s a look at the top health benefits of water apple.

    Top 7 Health Benefits of Water Apple

    1.  Fights Free Radical Damage

    One of the major benefits of water apples is their high vitamin C and flavonoid content. These antioxidants help neutralise free radicals in the body, preventing cellular damage and reducing the risk of chronic diseases, including heart disease and certain cancers. Regularly consuming water apples can be a natural way to keep cells protected.

    1. Bolsters Immune Function

    The health benefits of water apples also extend to the immune system. With its impressive vitamin C content, water apple strengthens the immune system, helping the body fight infections and recover from illnesses more quickly. This immune boost makes water apples a great choice, especially during cold and flu season.

    1. Reduced Risk of Stroke

    The potassium in water apple plays a crucial role in maintaining healthy blood pressure levels. By balancing sodium levels, potassium helps prevent high blood pressure, reducing the risk of stroke and other cardiovascular issues. Including the fruit in your diet is a heart-healthy choice that can support long-term wellness.

    1. Boosts Good HDL

    Another water apple fruit benefit is its effect on cholesterol levels. Water apple promotes an increase in HDL (good) cholesterol and helps reduce LDL (bad) cholesterol, thus supporting overall cardiovascular health and reducing the risk of heart disease.

    1. Improves Metabolism

    With its high fibre and essential nutrient content, water apple can help boost metabolism. Improved metabolism aids in efficient energy conversion, weight management and overall vitality, making water apple a beneficial choice for those aiming to enhance their body’s metabolic processes.

    1. Prevents Constipation

    The fibre in water apple aids in digestion, helping to prevent constipation and promote regular bowel movements. This fibre content supports digestive health by maintaining a healthy balance of gut bacteria and ensuring the smooth movement of food through the digestive tract.

    1. Hydrates the Body

    As the name suggests, water apple is high in water content, making it an excellent hydration option. Staying well-hydrated is crucial for optimal bodily functions, including kidney health, skin appearance, and energy levels. Water apple fruit benefits your hydration levels naturally, especially during hot weather.

    Conclusion

    Adding water apple to your diet is a simple and effective way to boost your health. The health benefits of water apples range from enhancing immunity and cardiovascular health to aiding in digestion and hydration. Incorporating water apple fruit along with a comprehensive health insurance plan can ensure that you’re protecting your health both naturally and financially. Whether you're looking to hydrate, strengthen immunity or boost metabolism, water apple is a nutritious addition that supports overall wellness. Enjoy this tropical fruit for its refreshing taste and its numerous health benefits!



    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.

  • Health Benefits of Singhara

    by Tanmay Ahuja | Apr 22, 2025

    Singhara, also known as water chestnut, is a nutrient-rich fruit commonly available in Asia. Packed with antioxidants, vitamins and essential minerals, singhara is celebrated for its impressive health advantages. Adding singhara to your diet can support overall well-being. Let's explore the top singhara health benefits that make this fruit an excellent choice for a balanced diet.

    Top 7 Health Benefits of Singhara

    1.  Promotes Heart Health

    One of the significant benefits of singhara is its role in supporting cardiovascular health. Singhara is low in cholesterol and sodium, which helps maintain healthy blood pressure levels. The potassium content in singhara also helps regulate blood pressure, making it an excellent choice for those looking to boost heart health naturally.

    1. Aids in Weight Management

    Singhara is a great snack for anyone aiming to manage their weight. It is low in calories but high in fibre. The fibre in singhara provides a sense of fullness, which helps reduce overeating. This nutrient-dense fruit is ideal for a balanced diet, especially for those mindful of weight management.

    1.  Enhances Digestive Health

    The fiber content in singhara supports a healthy digestive system. It promotes regular bowel movements, reduces constipation and maintains gut health. For individuals aiming to enhance digestion without relying on supplements, singhara provides natural and gentle digestive support.

    1.  Rich in Antioxidants

    One of the great health benefits of singhara is its high antioxidant content. These antioxidants, including flavonoids and polyphenols, help neutralise free radicals in the body, reducing the risk of chronic diseases. Consuming singhara regularly can boost the body’s natural defence against oxidative stress and inflammation.

    1.  Strengthens Immunity

    Singhara is a good source of vitamin C, which plays a vital role in boosting immunity. A strong immune system is essential for overall health and the natural immune-boosting properties of singhara make it a great addition to your diet, particularly during flu season.

    1.  Improves Skin Health:

    The presence of vitamin E and antioxidants in singhara contributes to glowing, healthy skin. These nutrients help fight skin ageing, reduce pigmentation and maintain skin elasticity. Regular consumption of singhara can keep your skin radiant and youthful-looking.

    1.  Supports Bone Health

    Singhara contains minerals like calcium, phosphorus, and magnesium, which are essential for bone strength. These nutrients contribute to maintaining healthy bones and preventing bone density loss as you age. Adding singhara to your diet supports bone health and overall physical resilience.

    Conclusion

    Incorporating singhara into your diet offers a variety of health advantages, from improving heart and digestive health to boosting immunity and enhancing skin radiance. The diverse benefits of singhara make it a valuable fruit to include in daily meals for overall wellness. Combined with the best health insurance, singhara can support a balanced approach to healthcare and preventive wellness. Embrace singhara for a nutritious, natural boost to your health regimen.





    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.

  • Health Benefits of Carrot Beetroot Juice

    by Tanmay Ahuja | Apr 22, 2025

    Both carrots and beetroot are individually known for their nutritional values. Imagine how nutritious their combined juice would be when it comes to health and wellness. This blog discusses the health benefits of carrot beetroot juice. Read on.

    Top 7 Health Benefits of Carrot Beetroot Juice

    The advantages of carrot and beetroot juice are more than supporting your digestive and gut health. Here are its major benefits: 

    1.  Antioxidant potential

    This juice contains significant antioxidant capabilities. It helps fight inflammation, which is responsible for swelling and pain in body parts.

    1.  Enhanced overall wellness

    Beetroot and carrot juice benefits include appetite improvement and greater capacity for daily activity performance. Rich in vitamins A and C, this juice boosts the immune system, maintains the health of skin and mucous membranes, and fights infection.

    1.  Improves eyesight

    The high beta-carotene content of this juice is good for maintaining eyesight. Also, it helps prevent vision-related issues like night blindness and age-related macular degeneration.

    1.  Support heart health

    The carrot beetroot juice is known to lower blood pressure owing to its high nitrate content. This improves blood flow and reduces heart strain. The juice’s potassium content regulates blood pressure and supports cardiovascular health.

    1.  Improves liver health and digestion

    This juice contains betaine, which supports liver function and improves the detoxification process by assisting the liver in processing toxins. Also, it improves metabolic function and aids digestion by regulating bowel movement and preventing constipation. 

    1.  Improves physical stamina and mental stress

    The nitrate in beetroot and carrot juice improves physical performance and stamina by enhancing the efficiency of mitochondria (the energy-producing components of cells). The nitrates also improve blood flow to the brain, which enhances cognitive function capabilities and reduces the risk of dementia. The antioxidants in both vegetables protect brain cells from oxidative stress and damage, thus improving endurance and reducing fatigue.

    1.  Promotes healthy weight management

    Beetroot and carrot juice are low in calories but high in fiber, which makes them helpful in weight management. The fibre keeps you full and satisfied for a long time, eliminating hunger pangs.

    Conclusion

    Although healthy food habits reduce the risk of contracting diseases and infections, unforeseen illnesses can occur any time. To minimise the mental stress and financial burden of draining health issues, buying a suitable health insurance plan is always advisable. It helps you manage medical expenditures without depleting savings.



    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.

  • Different Types of Indian Dals

    by mohit bohra | Apr 22, 2025

    India is known for its distinct culinary traditions, and dal, or lentils, is one of the staples that unites all regions. Dals are not only a source of protein but also a key part of every Indian meal.

    With so many different types of dal available, it can be overwhelming to know which ones to stock in your kitchen.

    This article explores the types of Indian dal, their nutritional benefits, and why they should be a part of your daily diet.

    Nutritional value of dal

    Dals are highly nutritious and an essential part of a balanced diet. They are rich in protein, making them an excellent option for vegetarians and vegans.

    Here are some of the key nutrients found in different types of dal:

    • Protein: Helps in muscle repair and growth.
    • Dietary Fiber: Boosts digestion and aids in weight management.
    • Iron: Essential for producing red blood cells and preventing anaemia.
    • Potassium: Helps regulate blood pressure.
    • Folic Acid: Crucial for pregnant women and fetal development.
    • Low Glycemic Index: Moderates blood sugar levels, making dal suitable for diabetics.

    10 Different types of dal

    India offers various dals to choose from. Here are the staple types of Indian dal you must have in your kitchen:

    1. Toor/Arhar Dal (Pigeon Pea Lentils)

    A staple in many Indian homes, especially in South Indian cuisine, toor dal is used in dishes like sambhar. It has a mild flavour and cooks quickly, making it ideal for everyday meals.

    1. Moong Dal (Green Gram)

    Available in split and whole form, it is light on the stomach and highly nutritious. It is perfect for soups, khichdi, and even desserts like moong dal halwa.

    1. Masoor Dal (Red Lentils)

    Masoor dal has an earthy flavour and cooks quickly. This makes it a versatile option for curries and stews.

    1. Chana Dal (Bengal Gram)

    A hearty lentil with a nutty taste, it is also a great source of fibre. It is often used in curries, snacks, and desserts.

    1. Urad Dal (Black Gram)

    Urad dal comes in two forms: split and whole. It’s a key ingredient in South Indian dishes like idli, dosa, and vada. Whole urad dal is also used in Punjabi delicacies like dal makhani.

    1. Rajma (Kidney Beans)

    Though technically a legume, rajma is often grouped with dals in Indian households. It’s cooked in rich tomato-based gravies and served with rice.

    1. Lobia (Black-eyed Peas)

    Lobia is known for its creamy texture and mild flavour, and is commonly used in North Indian curries.

    1. Masoor Whole (Brown Lentils)

    Whole masoor is similar to red lentils but has a more robust flavour. It is perfect for hearty stews and dals.

    1. Matki dal (moth beans)

    A protein-rich dal that is great for building muscles and providing energy.

    1. Gahat dal (horse gram)

    A winter special dal from the mountains of Uttarakhand. It has the highest protein content and is rich in iron, calcium, and other nutrients.

    How to make a dal?

    Preparing dal is both simple and versatile. Here’s an easy recipe to get you started:

    Ingredients:

    • 1 cup dal (any type of your choice)
    • 3 cups water
    • 1 medium onion (chopped)
    • 1 medium tomato (chopped)
    • 1 teaspoon turmeric powder
    • 1 teaspoon cumin seeds
    • 2-3 garlic cloves (minced)
    • 1-2 green chillies (optional)
    • 1 tablespoon oil or ghee
    • Salt to taste
    • Fresh coriander leaves for garnish

    Method:

    1. Wash the dal and soak it for 15-30 minutes.
    2. Boil the dal in a pot or pressure cooker with water, turmeric and salt.
    3. Heat oil or ghee in a pan. Add cumin seeds and let them splutter.
    4. Add garlic, onions, and green chillies. Sauté until the onions are golden brown.
    5. Stir in sliced tomatoes and cook until they soften.
    6. Pour the cooked dal into the pan. Simmer for 5-10 minutes, adjusting the consistency with water if needed.
    7. Garnish with fresh coriander leaves, then serve hot with rice or roti.

    This recipe is highly customisable. For a unique twist, you can add spices like garam masala, curry leaves, or tamarind.

  • Albumin vs Microalbumin: Key Differences

    by Almog Ramrajkar | Apr 21, 2025

    Albumin is a vital protein produced by the liver and circulated in the blood plasma. In healthy individuals, its concentration is around 4.0 g/dL, and doctors often monitor this level to assess liver and kidney function. Microalbumin, on the other hand, is a smaller form of albumin found in urine. Normally, its level stays below 30 mg, but values beyond this may serve as an early indicator of kidney damage.

    So, how can you determine whether your albumin and microalbumin levels are within the normal range, and at what point should you seek medical assistance? This blog takes a closer look at albumin and microalbumin, their significance and the steps to consider if their concentrations in the body rise above normal.

    What is albumin?

    Albumin is a globular protein that performs various functions. They aid in blood pressure regulation, nutrition transportation and fluid balance maintenance in the body. Low albumin levels can cause several health issues, including high blood pressure, oedema (swelling) and nutritional deficiencies.

    What is microalbumin?

    Healthy bodies secrete a small amount of albumin in the urine, called microalbumin. This is not a functional protein. However, elevated values, i.e., between 30 mg and 300 mg/g, indicate early kidney damage (microalbuminuria).

    What are the differences between albumin and microalbumin?

    Here are some of the major differences between albumin and microalbumin:

    Feature Albumin Microalbumin
    Location Blood plasma Urine
    Normal levels ~4.0 g/dL in blood <30 mg/day in urine
    Function Maintains oncotic pressure, transports hormones, vitamins and drugs No functions
    Clinical significance Low or high levels can indicate liver or kidney issues, malnutrition or dehydration. Elevated levels (30–300 mg/day) suggest microalbuminuria, an early sign of kidney damage.
    Detection method Blood test (serum albumin) Urine test (spot urine microalbumin or 24-hour collection)
    Size Standard-sized albumin protein Smaller-sized fraction of albumin molecules

    Causes of elevated albumin and microalbumin levels

    A high level of albumin in the blood can result from dehydration, severe diarrhea, burns or excessive protein intake. Temporary increases can occur due to physical stress or strenuous exercise.

    Increased microalbumin levels in urine can indicate early kidney damage, hypertension or early cardiovascular disease.

    Early detection of elevated albumin and microalbumin is crucial for timely diagnosis and treatment.

    Role of health insurance in case of high albumin & microalbumin levels

    Increased levels of albumin and microalbumin can be a sign of renal diseases or kidney damage. In such cases, it is critical to seek medical assistance for early management of the causes. The cost of a doctor’s consultation, diagnostic tests, medicines and regular monitoring can be cumulatively high. However, individuals with a health insurance policy can get financial assistance for all these expenses.

    Since the risk of increased albumin and microalbumin is higher in the elderly, applying for a senior citizen health insurance is imperative. It keeps them secured and ready for unforeseen medical emergencies.

    Conclusion

    Understanding albumin and microalbumin levels is essential for maintaining kidney health. Recognising elevated levels early and seeking timely medical attention can help prevent serious complications. Regular health check-ups are key to monitoring these proteins.

    While you take the effort to improve and maintain your health and well-being, let us take the initiative to care for you in times of illness or injury. Get the best health insurance policy by filling out the form provided on this page.

    FAQs

    1. What is hypoalbuminemia?

    Hypoalbuminemia is a medical condition where the level of albumin in the blood is abnormally low.

    2. Can diet help increase the low albumin levels?

    Yes, high protein sources, such as meat, fish, poultry, eggs, dairy products, legumes, nuts and seeds can help elevate the abnormally low levels of albumin.

    3. What is the microalbuminuria diet?

    A diet for microalbuminuria is about moderating protein and sodium intake, avoiding processed foods and including more fiber, fruits and vegetables.

    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.

  • Symptoms of Albuminuria: What to Watch For

    by Almog Ramrajkar | Apr 21, 2025

    Albuminuria is the presence of urine albumin, which is a warning sign of kidney problems. Identifying the symptoms in a timely manner is very important for managing the disease appropriately. This blog will expand on the symptoms of albuminuria, which will enable you to identify the ailment and obtain relevant medical care.

    What are the Symptoms of Albuminuria?

    The symptoms that accompany albuminuria vary from person to person. In some patients, there might be an absence of any clinical signs. Nonetheless, some clinical albuminuria symptoms suggest a possibility of one having this ailment. The typical symptoms are:

    Foamy urine: Foamy or frothy urine is a clear indication of albuminuria, as excessive protein (albumin) is excreted, distorting the usual appearance of urine.

    Swelling: Another sign is swelling of body parts, especially the hands, feet, face, and abdomen. Swelling with excess fluid in some tissues occurs due to improper kidney filtering, and the condition is referred to as edema.

    Frequent urinating: Many people with this condition may experience ‘diuresis’ or increased urination and cases of age-related increased urination or nocturnal urination may also be a symptom. The kidneys may increase their function to eliminate the excess fluid, requiring more bathroom breaks.

    Tiredness: Several male and female patients with albuminuria complain of excess tiredness or fatigue. This helps explain the excessive tiredness, which is notable especially when excess proteins are being lost and there is fluid overload.

    High blood pressure: The presence of albumin in the urine may be accompanied by elevated pressures in the vessels, which is caused by the fact that the kidneys’ influence over blood pressure is impaired. People tend to complain of head pains as well as other features associated with high pressure.

    Decreased appetite: Some individuals may experience a decreased appetite. This could be a result of the general discomfort associated with kidney disease or dysfunction.

    It is vital to look out for these signs and symptoms of albuminuria for its management. It would be necessary to reach out to a doctor for evaluation and perform tests if any of the symptoms are experienced.

    Conclusion

    Albuminuria is an ailment that manifests itself through several clinical symptoms, some of which may not be apparent in the initial stages. Such symptoms include but are not confined to foamy urine, swelling and numbness of legs, and excretion of protein, suggesting albuminuria and fatigue. Early intervention enables better management and outcomes. In case, you or your acquaintances develop any symptoms of albuminuria, consult a doctor immediately. Also, get a health insurance policy to cover 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.

  • Higher Range of ACTH: Causes & Effects

    by Almog Ramrajkar | Apr 21, 2025

    Adrenocorticotropic hormone, commonly known as ACTH, is a chemical messenger secreted by the body’s pituitary gland. It is a tropic hormone, meaning that ACTH stimulates the production of the stress response hormone cortisol and thus plays an important role in stress management. A high adrenocorticotropic hormone level is of serious concern.

    Let’s understand the increased range of ACTH and its health implications.

    What is the Range for a High ACTH Hormone Level?        

    The body’s ACTH levels are generally high in the morning and low during night time. However, this pattern might be affected by your daily routine and sleep schedule. Following is the range indicating a high ACTH level-

    1. Adults
      i) more than 10-60 pg/ml for an early morning sample
      ii) more than 20 pg/ml for a late afternoon sample
    2. Children
      i) more than 6-55 pg/ ml for children between 10-18 years
      ii) more than 5-46 pg/ml for children between 1 week to 9 years

    It is important to note that normal value ranges might slightly differ across different laboratories. However, the representation largely remains the same due to only marginal differences in the test results.

    An ATCH hormone high scenario can arise due to several reasons like-

    • Cushing’s Disease
    • Ectopic Cushing Syndrome
    • Congenital Adrenal Hyperplasia
    • Primary Adrenal Insufficiency (Addison's Disease)
    • Multiple Endocrine Neoplasia Type I

    Additionally, the detection of high adrenocorticotropic hormone levels in the body can also be due to the following common factors-

    • Stress and/or trauma
    • Menstruation
    • Pregnancy
    • Sleep issues
    • Certain Medications

    What Happens When ACTH Levels Are High?

    A high ACTH level can be a cause for worry because it can indicate the prevalence of numerous health complications. An increased concentration of the hormone in the blood can lead to several physiological effects. It signals the adrenal gland to secrete more cortisol. A high cortisol range can, in turn, have physical, mental, and metabolic effects.

    Conclusion

    ACTH hormone high treatment is crucial to prevent the underlying causes from developing into serious health conditions. Many of the causes of high levels of ACTH have the potential to aggravate and cause mass effects. It is therefore recommended to buy a health insurance plan that provides comprehensive coverage against critical illnesses and associated conditions.


     

    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.

  • Complications of Migraines You Should Know

    by Almog Ramrajkar | Apr 21, 2025

    Migraine is a serious condition that causes much pain in the head and sometimes even a stroke-like sensation. If you are someone who has chronic migraine, it is very important to follow a routine that can help you avoid the triggers. The complications of migraine often tend to depend on special situations. However, it can have a detrimental impact in some cases.

    What are the Complications of Migraine?

    The migraine complications get worse without treatment. Some of the common complications of migraine headaches that you should know about are:

    • Painkillers

    Recurrent consumption of painkillers can be a serious complication and it can lead to more headaches. Always make sure that you are taking painkillers after consultation with your healthcare guide. The duration plays a very important role and this can be guided only under medical practice. Too much medication can take away the pain-reducing factor and induce headaches.

    • Sleeplessness

    For those who get recurrent migraine attacks, it can be very painful and strenuous. In such a condition, sleeplessness becomes quite the norm. You will feel the maximum discount and stay completely awake at night.

    • Migrainous Infarction

    In the most common terms, this is also referred to as a migrainous stroke. This usually happens in very young women. Under high migraine pain, the blood vessels get constricted which hamper the blood flow to the brain. This can further worsen the situation and a sudden migranous stroke can hit. This kind of stroke will often have symptoms like an aura or even flashes of lights.

    Conclusion

    Some of the lesser-known complications associated with migraine are depression and anxiety, constant feelings of nausea, and even major stomach problems. Ensure that tests required to diagnose migraine as well as the treatment are covered under your health insurance policy.




    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. 

  • Different Types of Migraines and Their Symptoms

    by Almog Ramrajkar | Apr 21, 2025

    There is a common misunderstanding that migraine is only about a headache. However, there are various types of migraine that often go unnoticed. The migraine types have unique sources and this becomes more noticeable with age. Some people are more susceptible to particular kinds of migraines. The different types of migraines manifest themselves in a plethora of symptoms.

    Different Kinds of Migraine Headaches

    The different types of migraine headaches are:

    Migraine with Aura

    Among the different forms of migraine is the migraine with aura.  The term “aura” refers to a migraine phase before its onset. The aura often manifests itself in the form of the following signs:

    • Disturbance in your vision with flashes of light.
    • A sensation of tingling in your face or limbs.
    • A constant feeling that you might be falling.

    There is another variant, which is a common migraine or migraine without aura.

    Other Types of Migraine

    There are seven different types of migraines other than migraine with or without aura. These are:

    • Children Migraine: Although not very common, migraine in children is an occurrence that could be very serious.
    • Chronic Migraine: It is a condition where you have long-lasting attacks and that too very often.
    • Menstrual Migraine: The next type of migraine has an onset post or pre-menstruation and is majorly due to hormonal imbalances.
    • Status Migrainosus: This is a particular kind of migraine attack that can last more than 72 hours. Here, the signs of migraine are more severe and can be coupled with vomiting or even nausea.
    • Hemiplegic Migraine: This is a very uncommon type of migraine attack that happens due to one-sided weakness in the muscle. Sometimes, this kind of migraine can feel like a stroke, and hence, immediate medical assistance is important.
    • Ocular Migraine: As the name suggests, this kind of migraine involves visual disturbances. It can affect the eye and lead to complete loss of vision.
    • Migraine without Headache: In this kind of migraine, you will face all the signs associated with migraine except the headache. It is also known as a silent headache.

    Conclusion

    Migraine is often a chronic condition and it can get worse if you do not seek immediate medical care. If you want to treat the different forms of migraine, it is always best to contact a professional who can guide you better. Remember to get a health insurance plan covering the condition's monetary implications.




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

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