Planning for a family is a joyful journey, but it also comes with responsibilities, especially financial ones. One of the most important decisions you can make is securing the right health insurance cover, particularly maternity health insurance. It provides financial help during pregnancy and childbirth which ensures you receive proper medical care without unnecessary stress.

What is maternity insurance?

Maternity insurance is a type of health insurance policy that covers expenses related to pregnancy, delivery and postnatal care. It may come as a standalone policy or be included as a benefit in a comprehensive health insurance plan. The aim is to help ease the financial burden associated with maternity care and hospitalisation.

What is covered under maternity insurance?

While policies may vary, most maternity insurance plans typically cover the following:

• Pre-natal consultations and check-ups
• Hospitalisation expenses for normal or caesarean delivery
• Post-natal care for the mother
• Vaccinations for the newborn
• Medical expenses for any complications during pregnancy

What are the benefits of health insurance with maternity coverage?

The primary benefit of maternity health insurance is financial protection. Pregnancy and delivery costs can be quite high, especially in private hospitals. Maternity coverage helps you manage these costs effectively.

Other key benefits include:

• Cashless hospitalisation: Many insurers have tie-ups with hospitals, allowing cashless treatment during delivery.
• Coverage for complications: In case of medical emergencies during pregnancy, maternity insurance can help cover the costs.
• Newborn coverage: Some policies extend health insurance to the newborn, covering medical tests and vaccinations.

Health insurance policies with maternity benefits are often part of a family health plan, which can also include coverage for other members of the household including elderly parents.

When to buy maternity health insurance?

Maternity health insurance typically comes with a waiting period ranging from 9 months to 4-6 years. Therefore, it is best to purchase a policy well in advance, ideally before you plan to conceive. Waiting until after pregnancy is confirmed may result in your claim being denied due to pre-existing conditions.

When considering family health insurance, it is also a good time to think about senior citizen health insurance. As your family grows, so do your healthcare responsibilities. Senior citizen plans are made specifically for individuals over 60 and offer benefits like annual health check-ups, higher coverage for hospitalisation and cashless treatment at network hospitals.

Conclusion

Maternity health insurance is a smart and necessary investment for anyone planning to start a family. It provides financial relief and also ensures access to quality medical care during one of life’s most important phases. Alongside, including senior citizen health insurance in your plan ensures that both new life and the elderly in your family receive the care they deserve. Planning with the right health insurance means a healthier, more secure future for the entire family.

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.

Indian income tax regulations provide many opportunities to lessen your tax burden. However, most taxpayers are only aware of the ₹1.5 lakh deduction under Section 80C of the Income Tax Act.

By knowing about many other tax-saving possibilities, taxpayers can lessen the total tax payable during a financial year. In this article, we are listing five approaches on how to save tax under different sections other than 80C. We hope you find a useful resource in the list and use it to your advantage. Do remember that this is not an exhaustive list; you can consult a professional, like an income tax lawyer or a chartered accountant, to know about other options applicable to your particular situation.

Tax saving options other than 80C

Apart from Section 80C, taxpayers can claim deductions and exemptions under different sections of the Income Tax Act. Here are ten ways to save tax beyond 80C:

• Section 80D: Health insurance

Under Section 80D, you can claim tax exemption on the premium paid toward a health insurance policy. If you’re paying the premium for yourself or your dependents, the eligible amount for exemption is ₹25000. If you’re paying the premium for parents above 60 years of age, the eligible exemption goes up to ₹50000. In case you and your parents both are above 60 years of age, the upper limit on exemption for premium paid goes to 1 lakh (₹50000 + ₹50000).

• Section 80CCD (1B): National Pension Scheme (NPS)

Taxpayers can save by investing up to ₹50,000 in NPS under subsection 80CCD (1B). This is over and above the ₹1.5 lakh ceiling limit of Section 80C. So in total you can claim deduction for investments in NPS of up to ₹2 lakh, considering both Sec 80C and subsection 80CCD (1B).

• Section 24(b): Tax savings on the interest component of a home loan

Homeowners who have a loan can claim a tax deduction for the interest component of their mortgage under Section 24(b) of the Income Tax Act.

The highest tax deduction available to a taxpayer in this country for interest payments on a house loan for a self-occupied property is ₹2 lakh.

If the property for which the house loan was obtained is not self-occupied and is rented or presumed to be rented, there is no maximum limit for a tax deduction, and as a taxpayer, you can deduct the whole interest amount under Section 24.

However, the amount of tax deduction possible under Section 24 gets restricted to ₹2 lakh in circumstances when the borrower (i.e., homeowner) is unable to occupy the property owing to work, business, or profession carried on in another location, compelling him/her to stay in another location.

• Section 80E: Tax savings on education loan repayment

Borrowing to fund higher education is widespread these days. Students who take out an education loan to further their studies are eligible for a tax exemption on the interest component of the loan under Section 80E.

This tax advantage can be claimed by either the parent or the kid (student), depending on who is paying off the loan.

This tax advantage is accessible only when borrowing from financial institutions, not from family members, friends or relatives.

Taxpayers can claim the deduction from the year they begin repaying the interest on the education loan and continuing for the next seven fiscal years, or until the interest is paid in full, whichever comes first. The deduction for interest repayment has no upper limit.

• Section 80EE: Tax savings on home loan interest repayment for first-time home buyers

First-time home buyers (those who don’t own any other house property as on the date of loan sanction from a financial institution) can claim a tax deduction of up to ₹50,000 under Section 80EE.

This amount exceeds the ₹2 lakh limit set by Section 24 of the Income Tax Act for repayment of house loan interest.

To be eligible for this deduction, the house’s worth must be less than ₹50 lakh, and the loan must be for less than ₹35 lakh.

This section was originally presented in 2013-14 and was only accessible for two fiscal years. But this provision has been restored since 2016-17, and the tax advantage is available until the loan is returned, subject to a ₹50,000 yearly ceiling.

• Section 80DDB: Treatment of specified diseases

If you are a taxpayer and have been diagnosed with a life-threatening disease, such as cancer, any neurological disease (like dementia, motor neuron disease, Parkinson’s disease), or AIDS, you may be eligible for a tax deduction under Section 80DDB.

Individuals or HUF can claim a deduction under Section 80DDB for the medical care of a dependent suffering from a specified disease.

The deduction is limited to ₹40,000 or the amount paid (whichever is less). This maximum limit gets raised to ₹1 lakh in the case of senior citizens (aged 60 years and above) or dependents.

• House Rent Allowance (HRA) Exemption

If you live in a rented house, you can claim HRA exemption under Section 10(13A), reducing your taxable income. The deduction amount depends on:

• Actual rent paid minus 10% of basic salary.
• For metro cities- half of the total salary and for non-metro cities- 40% of the salary
• Actual HRA received.

• Savings Account Interest (Section 80TTA & 80TTB)

Under Section 80TTA, savings account interest up to ₹10,000 is tax-exempt for individuals below 60 years. Under Section 80TTB, senior citizens can claim an exemption of up to ₹50,000 on interest earned from savings and fixed deposits.

• Leave Travel Allowance (LTA) Exemption

Employees can claim LTA tax exemption for domestic travel expenses under Section 10(5). This can be availed twice in a block of four years.

• Donations to Charitable Organisations (Section 80G)

Donations made to approved charitable institutions or relief funds are eligible for tax deductions under Section 80G. The total deduction can be anywhere between 50% to 100%, finalised on the basis of the organisation to which the donation is being made.

How to save income tax in the new and old tax regime?

The Indian tax system offers two tax regimes—the old tax regime with deductions and exemptions and the new tax regime with lower tax rates but fewer exemptions. Here’s how tax-saving differs under both:

Old Tax Regime (Best for Maximising Deductions)

• Allows claims under Section 80C, 80D, 24(b), 80E, 80G, etc.
• Suitable for individuals who have significant investments and expenses.
• Beneficial for those with a health insurance plan covering their family and parents.

New Tax Regime (Best for Lower Tax Rates)

• Deductions such as 80C and 80D are not allowed.
• Lower tax rates across income slabs.
• Suitable for individuals with minimal investments and expenses.

Conclusion

Taxpayers should be aware of tax saving methods other than Section 80C so that they can get exemption on different investments and expenses made during the financial year. There are multiple ways to save tax , including deductions on health insurance, home loan interest, NPS and education loans. While choosing between the old and new tax regimes, evaluate your financial situation and select the one that maximises savings. Being aware of perks such as health insurance tax benefits can help you reduce your tax burden effectively while ensuring financial security.

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.

Updated on 15 july 2025

A well-built chest is a crucial part of an overall healthy body. It provides support, better posture and promotes well-rounded fitness. Many people tend to focus on the upper and middle parts of the chest, while the lower chest is often left out. But working on this area can greatly improve the shape of your chest and add to your overall build. Strengthening your chest muscles boosts appearance while also helping with daily movement, confidence and a sense of well-being.

In this blog, we will take you through some of the best lower chest workouts, at home and in the gym, to help you build strength, muscle and balance. Let’s begin!

Best exercises for the lower chest

Some of the best exercises for the lower chest are:

• Decline bench press
• Dips
• Decline dumbbell flyes
• Cable crossovers (low pulley)
• Decline push-ups

Decline bench press

Incorporate this into your routine to enhance lower chest development effectively and safely. The steps are as follows:

• Setup: Adjust the bench angle (15–30 degrees). Lie down with your head lower than your hips, and grip the barbell slightly wider than your shoulders.
• Stability: Plant feet firmly, arch back slightly and retract shoulder blades for stability.
• Descent: Bring the barbell to the lower chest, allowing elbows to flare naturally (45 degrees).
• Pressing: Explosively push the barbell up, maintaining control. Engage the lower chest muscles.
• Breathing: Inhale while lowering, exhale while pressing.
• Reps: Perform the desired reps with proper form. Gradually add weights for progress.

Dips

Dips, the best exercise for the lower chest, are a potent bodyweight exercise significantly targeting the lower chest muscles. The steps are as follows:

• Setup: Find parallel bars or use sturdy surfaces. Grip the bars firmly with palms facing down.
• Stance: Lift yourself up, arms fully extended. Lean slightly forward to emphasise the lower chest.
• Descent: Lower your body with control, bending your elbows to around 90 degrees.
• Ascent: Push through your palms, extending your arms without locking your elbows.
• Breathing: Inhale during descent, exhale during ascent.
• Reps: Perform reps, maintaining proper form for optimal lower chest engagement.

Decline dumbbell flyes

Sculpting a defined lower chest is achievable with decline dumbbell flyes. The steps are as follows:

• Setup: Lie on a decline bench (15–30 degrees), holding dumbbells above your chest.
• Descent: Lower dumbbells with a slight bend in the elbows, feeling a stretch in the lower chest.
• Contraction: Lift dumbbells back up, squeezing chest muscles.
• Form: Keep controlled movements and focus on lower chest engagement.
• Breathing: Inhale while lowering, exhale while lifting.
• Repetitions: Perform reps while maintaining proper form. Gradually increase weights for progress.

Cable crossovers (low pulley)

Cable crossovers using a low pulley effectively isolate and strengthen the lower chest muscles. The steps are as follows:

• Setup: Attach D-handles to low pulleys. Stand between the pulleys, feet shoulder-width apart.
• Grip: Grab handles underhand, palms facing up.
• Stance: Slightly lean forward, maintaining elbow bend.
• Movement: Pull the handles forward and downward in an arc, crossing at the base. Focus on lower chest engagement.
• Contraction: Hold briefly, feeling the stretch.
• Return: Slowly reverse to start.

Decline push-ups

Decline push-ups, the best workout for the lower chest, are a dynamic bodyweight workout that successfully targets the lower chest muscle mass. The steps are as follows:

• Starting: Anticipate a push-up position with your feet on a solid surface.
• Alignment: Preserve your body in an immediate line from head to heels, engaging your centre for stability.
• Descent: Bring your chest closer to the ground, maintaining the right form.
• Push-up: Push your frame again up to the beginning position, focusing on the decreased chest contraction.
• Respiration: Inhale as you descend, exhale as you push up.
• Repetitions: Perform a fixed number of repetitions, regularly increasing in intensity as you progress.

How often should you train your lower chest?

Aim to train your lower chest once or twice per week, allowing 48-72 hours of rest in between sessions. A targeted focus once or twice per week is ideal. Make sure that you do not overtrain your muscles and take breaks as and when required.

How many sets and reps should I do for the lower chest?

Here is a guideline combining compound and isolation movements in chest workouts:

• Compound lifts (decline press, dips):
  3–5 sets × 6–10 reps
• Isolation movements (flyes, cable crossovers, decline push-ups):
  3–4 sets × 10–20 reps

Conclusion

Incorporating all these workouts for the lower chest into your fitness regime with proper form and steady progress can yield desirable results in your lower chest improvement journey. Also, you must understand that consistency, suitable weight choices and a balanced average chest education plan are key elements in achieving your fitness objectives.

Continually consult a health expert before starting a new exercise routine, particularly when you have any pre-existing clinical conditions. As you focus on building a stronger, healthier body, it’s equally important to protect your well-being with the right coverage— a health insurance plan for yourself ensures you’re financially supported during medical needs, while a health insurance for family extends this vital protection to your loved ones, securing comprehensive care for everyone.

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.

Type 2 diabetes is one of the most serious and important health concerns in both developed and developing countries. This article will look to explore some of the possible sources that could be contributing to this prevalent illness in order to better equip individuals with knowledge about how best to approach their own personal health. We’ll discuss topics such as genetics, lifestyle choices, medications, hormones and more. So whether you have recently been diagnosed or know someone who has been affected by this condition, keep reading for an informative breakdown of some potential causes of type 2 diabetes! Additionally, check with your health insurance provider for diabetes specific coverage. 

How is Type 2 Diabetes Caused?

Before we dive into what causes type 2 diabetes, let us first understand the role of glucose in the body.

• The main sources of glucose are food and the liver
• Insulin aids in transporting glucose into cells via the bloodstream
• The liver acts as the main glucose storage and production centre
• On low glucose levels, the liver converts stored glycogen into glucose to maintain balance
• In type 2 diabetes, sugar accumulates in the blood instead of entering cells
• Rising blood sugar prompts the pancreas to release more insulin
• As time passes, the insulin-producing cells in the pancreas deteriorate, leading to insufficient insulin production.

The root causes of type 2 diabetes arise from problems with insulin production or utilisation in the body. This leads to an alarming inability to regulate blood sugar levels, causing them to skyrocket. The two causes of type 2 diabetes are:

1. Insulin resistance: Cells in muscle, fat, and the liver resist insulin, leading to inadequate sugar absorption.
2. Insufficient insulin production: The pancreas is unable to create sufficient amounts of insulin in the body to regulate blood glucose levels effectively.

Listed below are the main risk factors that contribute to the development of type 2 diabetes:

1. Weight: Being obese or overweight is one of the most common reasons for developing diabetes. It is important to maintain a healthy weight by following a nutritious, low-fat diet and exercising regularly.
2. Fat distribution: Storing excess fat in the abdomen raises the risk even further.
3. Inactivity/Sedentary lifestyle: Lack of physical activity increases the risk significantly. It is important to exercise regularly, with the goal of performing aerobic exercises for at least 30 minutes a day for most days of the week.
4. Family history: Having a parent or sibling with type 2 diabetes increases your own risk of developing this disease.
5. Blood lipid levels: Low levels of "good" cholesterol and elevated levels of triglycerides are linked to increased risk. Choose foods that are low-fat and avoid foods that are loaded with salt, including processed and deep-fried foods.
6. Age: The risk of type 2 diabetes rises with age, especially after 35.
7. Prediabetes: Elevated blood sugar levels can progress to type 2 diabetes if untreated.
8. Pregnancy-related risks: Having gestational diabetes or giving birth to a large baby increases the risk of developing type 2 diabetes after delivery.
9. Polycystic ovary syndrome (PCOS): This hormonal disorder raises the risk due to its associated symptoms.

By understanding these risk factors of type 2 diabetes, you can take steps to regulate your blood glucose levels and maintain optimal health.

It is also important to know the symptoms of type 2 diabetes, which include:

• Blurred vision
• Persistent fatigue
• Excessive thirst
• Unintentional weight loss
• The presence of fruity breath odour
• Increased urination, especially during nighttime
• Recurring genital itching or persistent thrush
• Delayed healing of cuts, grazes, or bruises

If you or a family member are experiencing any of these symptoms, it could potentially signify the presence of diabetes. In such cases, it is advisable to seek consultation with your local GP. The GP can conduct tests to identify the underlying causes of type 2 diabetes symptoms.

Conclusion

Type 2 diabetes disrupts the body's energy conversion process and often arises from issues with insulin regulation. Understanding the causes of type 2 diabetes for timely medical intervention is thus crucial. Notably, the condition is linked to factors like inactivity, obesity, family history, and pre-diabetes. Diabetes symptoms include blurred vision, fatigue, excessive thirst, weight loss, and more. Effective diabetes management involves a balanced lifestyle of diet, exercise, and medication, depending on the severity. Regular monitoring, blood pressure, cholesterol control, and screenings are vital for effective type 2 diabetes care.

Have you ever heard of "tomato fever" - a new and rare viral disease closely related to hand, foot, and mouth disease? While it primarily affects children under 5, it is important for adults to be aware of its symptoms and causes. This highly contagious infection is characterized by round and painful red blisters that can grow to the size of a tomato. Although not life-threatening, it poses a significant risk. Read on to discover the causes of tomato fever and learn how to protect your child from this emerging threat.

What is tomato flu?

Tomato flu is a viral infection primarily affecting children under five years of age. It is characterised by red rashes, skin irritation, and dehydration. The infection gets better on its own and does not have a single cure. However, certain medication is used to treat the symptoms. While tomato fever shares symptoms with hand, foot, and mouth disease (HFMD), it is considered a separate illness.

Causes of tomato fever

The precise cause of the tomato virus outbreak is still unknown, but researchers and medical experts are conducting further investigations to look for the cause of the virus causing tomato fever. Some studies have shown that tomato fever causes include:

• Viruses belonging to the genus enterovirus, most commonly the coxsackievirus, which is highly contagious and can spread infection through close contact and air. It is recommended that infected children are kept away from healthy children as this virus can spread from general practices like touching dirty surfaces, using diapers, and if the child puts objects directly into their mouths infected with the saliva of the patient.
• Some studies suggest that the causes of tomato fever are attributed to viruses carried by mosquitoes, especially the one that causes chikungunya.
• Scientists have determined that tomato fever could be the side effect of diseases like dengue or chikungunya, and coxsackievirus could be one of the sources of the fever. However, there is no exact cause known for this fever.

Treatment of tomato flu

Since tomato flu is a viral infection, it does not require antibiotics. The treatment revolves around managing the symptoms through over-the-counter medication, rest and proper diet-

• Hydration

  Ensuring the patient drinks plenty of fluids to prevent dehydration.

• Fever Management

  Administering paracetamol or ibuprofen to reduce fever and body pain.

• Isolation

  Infected individuals should be kept in isolation to prevent the spread of the virus.

• Antihistamines and Ointments

  To relieve itching and skin irritation.

• Proper Rest

  Encouraging adequate rest to speed up recovery.

Conclusion

Although it may seem a little overwhelming to see reports of another new virus causing infection among young children, it is important not to panic but to stay informed! By being vigilant and taking charge, we can ensure early intervention before it becomes a life-threatening situation. Understanding the causes of tomato fever can be our shield against this harmful disease. Also, ensure that you have a medical insurance plan in place to safeguard yourself against any financial stress. Additionally, critical illness insurance provides financial assistance for severe complications that may arise due to viral diseases.

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.

In the past, penile cancer was an exceedingly uncommon ailment, with little concern for most individuals. However, the scene has moved, and this once-rare condition is currently on the top, turning out to be more predominant. Penile cancer is a sort of disease that develops in the male reproductive organ- the penis. Penile cancer fundamentally influences the penile skin, especially the prepuce, and is more normally seen in men beyond 50 years old, frequently connected to compromised immune systems. Let us take a look at the main causes of penile cancer, and its associated risk factors.

How is Penile Cancer Caused?

Listed below are the main causes of penile cancer:-

1. HPV

HPV, short for human papillomavirus, is a highly dangerous virus that can be transmitted through sexual contact. Infection with this virus increases the chances of developing penile cancer. You can catch HPV through various routes:

- Direct skin-to-skin contact in the genital area

- Engaging in vaginal, anal, or oral sex

- Sharing intimate objects like sex toys

2. Weakened immune system

People dealing with conditions that weaken the immune system, such as AIDS, face an expanded risk of developing penile cancer.

3. Smoking

While it's generally recognized that smoking is one of the main causes of lung and oral cancer, it's important to note that it can also raise the risk of creating penile cancer.

Health insurance has become a necessity as medical expenses are on the rise. Unexpected health issues can put immense financial pressure on families. While individual health insurance policies provide essential coverage, managing multiple plans for each family member can be complex and costly. This is where a family floater health insurance plan comes into play, offering a convenient and often more affordable way to protect your loved ones under one comprehensive policy.

What is a family floater health insurance?

A family floater insurance is a type of medical insurance policy that covers all family members under a single sum insured. Instead of buying separate policies for each individual, the entire family shares the insured amount. Typically, the policyholder, spouse and children are covered, although some plans also allow for the inclusion of dependent parents or parents-in-law.

For example, if a family has a floater plan with a sum that is insured of ₹10 lakhs, any member of the family can use that amount in case of hospitalisation or medical treatment, up to the total limit.

How does a family floater plan work?

In a family floater policy, the sum insured acts like a common pool of funds accessible by all insured members. This means that if one member of the family is hospitalised and needs ₹4 lakhs for treatment, the remaining ₹6 lakhs can still be used by any of the other covered members within the policy term.

Most family floater plans come with a yearly premium, and the coverage continues as long as the premium is paid on time and the policy is renewed without lapse.

Benefits of a family floater health insurance plan

Mentioned here are a few key benefits of availing such a plan:

• More coverage amount

Each family member has access to the shared pool of the sum insured, thereby enjoying an enhanced coverage individually. For example, if an individual insurance would provide a family member an insurance coverage up to ₹2 lakh, a family floater policy covering a family of four will be giving a coverage of ₹8 lakh.

• Lesser premium

You need to pay lesser insurance premium for Family Health Insurance as compared to Individual Plans.

• Tax benefits

Like other health plans, a family floater plan too lets you can avail tax deduction on the insurance premium paid u/s Sec.80D of Income Tax Act, 1961.

• Easy renewability

You can avoid the hassle of renewing multiple policies if you have one common plan like the family floater.

• Continuous coverage

Individual medical insurance generally expires on death of the insured. Family health insurance plans offer coverage against medical expenses even if a particular plan member passes away.

How to choose a family floater plan?

Here are a few careful considerations:

• Assess your family's healthcare needs: Take into account the age, medical history and lifestyle of all family members.
• Compare sum insured and premium: Make sure the sum insured is enough to cover potential medical expenses for multiple members, and check if the premium is reasonable for the coverage provided.
• Check the insurer’s network hospitals: Ensure the plan offers cashless treatment at hospitals that are easily accessible to you.
• Understand the waiting periods: Most policies have waiting periods for pre-existing conditions or specific treatments.
• Look for additional benefits: Features like maternity cover, annual health check-ups and no-claim bonus add value to the policy.

Conclusion

A family floater health insurance plan is a practical way to ensure your family's health and financial security. Consider investing in a health insurance policy for family, as it safeguard your savings while ensuring access to quality treatment.

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

The Government of India has decided to put 42 non-scheduled anti-cancer drugs under price-control for affordable cancer care in the country by capping trade margins at 30% on these drugs. The move is expected to reduce their retail prices by 85 percent, covering 72 formulations and 355 pharmaceutical brands across the country.

The decision to bring these 42 non-scheduled cancer-curing drugs under price control through trade margin rationalization was approved by the National Pharmaceutical Pricing Authority (NPPA), under Para 19 of the Drugs Prices Control Order of 2013. As per the data available with NPPA, the 85% reduction in the MRP of these drugs will entail a minimum savings of ₹105 crores to the consumers.

“Currently, there are 57 anti-cancer drugs already under the price control as scheduled formulations. Now, additional 42 non-scheduled anti-cancer medicines have been selected for price regulations by restricting trade margins on the selling price up to 30%,” the NPPA notification said.

“These would cover 72 formulations and 355 brands as per the data available. More data is being collected from hospitals and drug manufacturers to finalize the list,” it added. The NPPA has asked the manufacturers to recalculate the prices and submit more details within next seven days. The revised prices can come it effect from March 8, 2019.

The chairman of NPPA, Shubhra Singh believed that this move by the government can be a significant step towards its attempt to provide affordable healthcare for cancer treatment in India. Presently, there are over 1.5 million cancer patients in the country, with many of them quitting the treatment mid-way owing to the high cost of drugs, expensive treatment charges and lack of health insurance.

Read the following points before zeroing-in on an Accident Insurance policy

Weighing the pros and cons before making a long-term financial commitment is always a good idea. One such decision is to invest in an accident insurance policy.

Why Accident Insurance

Human life is full of uncertainties. Besides being emotionally draining, an accidental death of a loved one also has a direct bearing on the family's finances. A permanent disability caused by accident can deprive a person from earning a livelihood.

What is Accident Insurance Policy

Accident insurance policy is a type of health insurance policy that secures your finances from losses arising out of accidental death or permanent total disablement caused by an accident. Such a policy enables you to safeguard your family members from financial uncertainties arising from a mishap.

What factors to Consider While Buying Accident Insurance

Various insurers offer accident insurance policies. In order to choose the right policy for you, consider the following factors:

Risks Covered

Understanding the insured risks is important while buying an accident insurance policy. You might consider the following questions before purchasing. What are the risks covered by the plan you opt for? Are these risks applicable to you or your family? Uncertainties that are not covered by the policy, are these insurable under an add-on cover?

Affordability

The premium for an accident insurance policy is based on the policy duration and the sum assured. As per your budget, you can choose the term of the policy and opt for a suitable sum insured. You may also avail discounts by choosing a policy for a longer term than the minimum one-year duration. As your affordability and the scope of risks changes, you may want to revise your sum insured. Make sure you ask the right questions to know policy details.

Claim Settlement ratio

Choose a company with a healthy claim-settlement ratio. Anything above 95% is considered a healthy ratio. Many factors affect the claim-settlement ratio of a company, such as cases of claims that are repudiated due to many reasons. You may find out about the company's performance through reviews and survey statistics.

Ease of claim settlement and various channels for claim settlement

Claims can be settled over the telephone or by intimating the company in writing. Your company must guide you through the procedure of claim settlement. Know of the maximum duration for settlement of a claim. There may be exceptions in certain cases; enquire about these exceptions.

Redressal mechanism

You must also know of the various channels at your disposal in case of any grievances. Insurance Regulation and Development Authority of India, IRDAI, is the insurance regulator in the country and all grievances can be routed to it.

The buyer is responsible for the contract he signs. He must be vigilant about the policy before signing the documents, during the policy term, and at the time of claims as well.

One such accident insurance policy is the Personal Protect insurance. This can provide a beneficial cover for a wide range of accident related losses. To find out more on what this personal accident insurance covers

Urethral cancer is an ailment where cancerous cells develop in the delicate tissues of the urethra, a crucial tube responsible for transporting urine from the bladder to beyond the body's walls. Although it can occur in both genders, it is more likely to develop in males due to differences between the male and female anatomy. Despite its rarity, understanding this condition is essential for prevention, early detection and effective treatment. In this article, we’ll take a closer look at the common causes of urethral cancer so that you or your loved one can make informed decisions regarding their preventative healthcare needs.

How is Urethral Cancer Caused?

Listed below are the main urethral cancer causes, along with its risk factors:

1. History of Bladder Cancer: If you've had bladder cancer disease previously, you're more in danger of developing urethral cancer. This is because the bladder and urethra are connected and have a portion of similar sorts of cells.
2. STDs: Sexually transmitted diseases, like human papillomavirus (HPV), can make it more likely for you to get urethral cancer. Among the types of HPV, one form called HPV type 16 is especially known for causing this cancer. It's essential to practice safe sex and get the HPV vaccination to reduce the possibility of this occurrence.
3. UTIs: Regular UTIs (urinary tract infections) can provoke persistent irritation in your urethra, which could increase the risk of getting urethral cancer disease. That is why it's crucial to keep a healthy urinary system.
4. Age and Gender: Urethral cancer is more normal in older adults and more often diagnosed in men than women.
5. Chemical Exposure: In certain instances, heightened exposure to specific chemicals, such as those utilized within the textile or chemical sectors, has been associated with an elevated likelihood of developing urethral cancer.
6. Tobacco and Smoking: Smoking, as with numerous other forms of cancer, can raise the likelihood of developing urethral cancer.

Anal cancer is an uncommon, however serious, disease that impacts the anus, which marks the end of your large intestine, where waste exits your body. It's essential to realize what can prompt this kind of disease so we can attempt to prevent it or track it down. There are several potential causes for anal cancer that range from human papillomavirus (HPV) to smoking and dietary factors, but what do we know about these risks? In this article, we will explore all aspects regarding the causes of anal cancer – so you can make informed choices going ahead!

How is Anal Cancer Caused?

Numerous factors can prompt anal cancer, and it's often not just one thing. Here are a few of the main anus cancer reasons:

1. HPV (Human Papillomavirus): This is an infection that spreads through sex, and studies have shown it increases the risk of developing anal cancer. To bring down this risk, it's a really great idea to practice safe sex and get the HPV vaccine.
2. Anal Intercourse: Performing anal intercourse, particularly without protection, can raise the possibility of getting anal cancer.
3. Weak Immune System: If your immune system isn’t strong, you may be more in danger of developing anal cancer. This includes individuals with HIV or people who have had organ transfers. Our immune system shields us from sicknesses, including cancer.
4. Smoking: Smoking is harmful to your wellbeing, and it can likewise build the risk of anal cancer. There are unsafe things in tobacco smoke that can harm the cells in the anus and lead to cancer.
5. Age and Gender: Anal cancer is more common in older people, usually over 50, and it's more often reported in women.
6. Diet: Eating good foods like natural products, veggies, and whole grains can assist with preventing anal cancer. However, a non-nutritious diet with not much fibre and too many processed foods can raise the risk.
7. Genes: If somebody in your family had anal cancer previously, it could mean you have a higher chance of developing it as well. Thus, if you have close relatives who have anal cancer, it would be a good idea to talk with your doctor.

Appendiceal cancer is a rare type of cancer that starts in the appendix, a small tube attached to your large intestine. The causes of appendiceal cancer are still mostly unknown. Several factors, including age, gender, particular medical conditions, and genetic factors like a family history of certain disorders, have been linked to an increased chance of this cellular failure, even if the causes of appendiceal cancer are unknown. In this article, we’ll explore the causes and risk factors of this condition.

How is Appendiceal Cancer Caused?

The exact causes of appendiceal cancer are not well understood, and there are no identified avoidable risk factors. Several factors have been observed in association with this condition, including:

1. Pernicious Anaemia:

• It has been studied that vitamin B12 deficiency, which causes pernicious anaemia, could be a risk factor.

2. Atrophic Gastritis:

• It has been proposed that this long-lasting stomach lining inflammation, also known as atrophic gastritis, may be one of the appendiceal cancer causes.
• The development of cancer may be influenced by persistent inflammation.

3. Zollinger-Ellison Syndrome:

• An increased risk of appendix cancer has been linked to Zollinger-Ellison syndrome, a rare digestive tract condition characterised by excessive production of stomach acid.

4. Family history of MEN1:

• People who have a family history of MEN1, a genetic condition that predisposes people to cancers in hormone-producing glands, may be more likely to develop appendiceal cancer.

5. Smoking:

• It has been proposed that smoking might be a potential appendix cancer cause.
• The appendix could potentially develop malignant alterations as a result of the toxins found in cigarette smoke.

A vital component of the digestive system, the small intestine performs a variety of functions, including producing hormones for digesting and housing immune cells that guard against mouth infections. Despite being uncommon, small intestinal cancer requires early detection and thorough management for improved patient outcomes. In order to properly handle this relatively uncommon malignancy and give people impacted the best care possible, it is imperative to know the exact cause of small intestine cancer. Read on to know more about the causes and risk factors of this condition.

How is Small Intestine Cancer Caused?

Let us explore how small bowel cancer develops and the elements that influence it in order to have a greater understanding of the causes of small intestine cancer:

1. Genetic Alterations:

• The root cause of small bowel cancer is genetic abnormalities.
• The cells are forced to grow quickly as a result of these genetic alterations, eluding the normal cell cycle that would normally cause them to die.
• This uncontrolled growth of cells plays a crucial role in the development of tumours and the spread of small bowel cancer, adding to its difficult and complex nature.

2. Uncontrolled Growth:

• Cancerous cells persist and multiply, whereas healthy cells normally experience programmed cell death.
• A tumour could develop as a result of this unregulated proliferation's excessive cell accumulation.
• Small bowel cancer is known for its rapid, uncontrolled cell development, which adds to the disease's difficult-to-treat and potentially invasive nature.

3. Invasion and Spread:

• The small intestine's healthy tissue may eventually become invaded with such unusual cells over time.
• Additionally, they could separate from the primary tumour and spread via the lymphatic or circulatory systems to different parts of the body.

Every day, you make decisions in your life that affect your health, but did you know that something as small as what you eat can increase your risks for duodenal cancer? First, let’s take a look at some background information on this disease: Duodenal cancer refers to any form of malignancy occurring in the duodenum – the first part of the small intestine - which has multiple functions within digestion, including connecting the stomach and jejunum. In this article, we will explore some causes of duodenal cancer, giving you deeper insight into protective measures they might take.

How is Duodenal Cancer Caused?

The following reasons are usually found to be associated with duodenal cancer occurrence:

• Diet: Diet is considered to play a significant role in eating food, specifically red meat, ultra-processed food, and smoked and cured food.
• Bowel disease: Patients of any type of bowel disease that includes chronic inflammatory bowel disease (IBD), Crohn’s syndrome and others have more chances of developing duodenal cancer. Research has shown people with Crohn’s syndrome have 60% more chances to develop duodenal and other small bowel cancers.
• Genetic mutations: Mutations associated with genetic diseases like nonpolyposis colorectal cancer (HNPCC), familial adenomatous polyposis (FAP), and Peutz-Jeghers syndrome predispose a person to duodenal cancer.
• Celiac disease: Patients who suffer from long-standing celiac disease are at risk for developing duodenal cancer.
• Family History: People with first-degree relatives having any form of small or large bowel cancer are at higher risk of developing duodenal cancer.
• Lifestyle factors: People with an unhealthy lifestyle that includes regular smoking, alcohol consumption, a diet low in fresh fruit and vegetables and less physical activity. are at higher risk of developing duodenal cancer.
• Benign polyps in the duodenum: Any type of non-cancerous benign growth in the duodenum may cause a higher chance of developing duodenal cancer.
• Ulcer: You may be wondering, “Can duodenal ulcer cause cancer?”. Studies have shown that ulcers in the duodenum can lead to cancer, but this occurrence is very rare.

Are you concerned about the potential causes of spleen cancer? While this type of cancer is relatively rare, understanding the different risk factors associated with it can help you keep an eye out for any changes or symptoms that might indicate something more serious. In this blog post, we'll explore some of the common causes and risk factors behind spleen cancer. Knowing what you're up against will put your mind at ease and give you a starting point as far as early detection goes. Keep reading to learn more – your health could depend on it!

What causes spleen cancer?

In most cases, spleen cancer is diagnosed as a secondary cancer, so it is important to focus on the stage of primary cancer and prevent spreading it up to the spleen. So, what causes spleen cancer? The following reasons are usually found to be associated with occurrence of primary splenic malignancy:

• Hypersplenism – It refers to an overactive spleen that can lead to quick removal of blood cells so that the person may have very little amount of blood cells.
• Splenic rupture – The spleen surface breaks, and it represents a medical emergency. It might occur due to any accident or a forceful blow on the abdomen. Sometimes, an enlarged spleen may also cause splenic rupture. Timely medical intervention allows a person to survive splenic rupture but makes him/her prone to frequent spleen infections and cancer.
• Presence of splenic abscesses – Splenic abscesses due to other reasons might be a reason behind primary spleen cancer. It is frequently found in patients with underlying disorders such as:
  • Trauma
  • Infections
  • Recent surgery
  • Emboli
  • Immunosuppression
  • Hematologic malignancy
• Presence of non-Hodgkin lymphoma – Primary splenic malignancy is a type of non-Hodgkin lymphoma that affects the lymphatic system.
• Risk factors – Like male gender, advanced age, family history of lymphoma, frequent infections, weak immunity, and chronic hepatitis c infection.

Causes of secondary spleen cancer –

• Presence of other cancers - Cancers like leukaemia, lymphoma, breast cancer, melanoma and lung cancer are known to spread to the spleen and cause secondary spleen cancer.

Risk factors of spleen cancer

Various factors may increase the risk of developing spleen cancer:

• Age: Older individuals are more susceptible to spleen cancer.
• Gender: Males may have a slightly higher risk compared to females.
• Immune System Disorders: Health issues that weaken the immune system can increase vulnerability.
• Exposure to Certain Chemicals: Contact with specific industrial chemicals has higher risk.

Can spleen cancer be prevented?

While there's no guaranteed way to prevent spleen cancer, certain measures may reduce the risk:

• Healthy Lifestyle: Balanced diet with regular exercise supports overall health.
• Avoiding Harmful Chemicals: Limiting exposure to known carcinogens can decrease risk.
• Regular Medical Check-ups: Routine health screenings can aid in the early detection of potential issues.

To minimise health risks caused by spleen cancer and other medical issues, health insurance for senior citizens becomes a crucial step in battling illnesses in old age.

Conclusion

With early diagnosis, treatment of spleen cancer can be straightforward and successful. Surgical resection or splenectomy is often the go-to option, but there are other therapeutic choices available too. Remember, the key to effective cancer treatment lies in timely detection and intervention. Stay vigilant and listen to your body's warning signs. By understanding the causes of spleen cancer, you can even help prevent this condition. Also, ensure that you have a medical insurance plan in place to safeguard yourself against any financial stress.

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

Are you aware of the causes of thyroid cancer? It is an important question to ask, especially if you live in India, given that it is a very common form of cancer in the country. Recent studies have shown that exposure to radiation and certain chemicals may contribute to a person's risk. Understanding these potential factors is key to safeguarding your overall health. In this article, we will explore some common causes of thyroid cancer to understand this disease better.

How is Thyroid Cancer Caused?

Certain factors that can increase the chances of developing thyroid cancer include:

• Toxic adenomas: If any sort of nodule or lumps of cell growth is seen in the thyroid gland, it is said to be a thyroid nodule, which upsets the body’s chemical balance by making thyroid hormones that can lead to a condition called goiter.
• Thyroiditis: This is the inflammation of our thyroid gland, which is mostly painless and may appear post-delivering a baby in women, a condition known as postpartum thyroiditis. If in case the thyroid has not recovered, it may lead to hypothyroidism and later into the cancer stage. which is one of the common reasons for thyroid cancer.
• Genetic mutation: Gene mutations (changes) that cause endocrine diseases like multiple endocrine neoplasia type 2A (MEN2A) or type 2B (MEN2B) syndrome can increase the risk of thyroid cancer
• Low iodine intake can increase the chances of developing thyroid cancer.
• Family history: If a first-degree female relative like a mother, sister, or daughter has any history of thyroid cancer, she is at a greater risk of getting thyroid cancer.
• Being overweight or obese: A person who is obese is at increased risk for getting this cancer.
• Radiation therapy: If a person has been treated with radiation therapy, like in the case of radiation therapy for neck and head regions related to a disease, then he/ she is at increased risk of developing thyroid cancer and exposure to radioactive material from nuclear weapons or a power plant accident can also makes a person more vulnerable to develop cancer.

Breast cancer is perhaps the most commonly diagnosed cancer among women today, and its prevalence raises many fears among female patients. It’s often difficult to discern what exactly causes it, yet there are certain risk factors that could possibly lead to breast cancer in any woman—what you eat, your age when you have children and whether or not you were ever pregnant can all make a difference. In the next section, we will discuss the key causes of breast cancer so that all women may gain knowledge on how best to avoid developing it. Whether you're curious about your own risks or just looking for more information about this disease, read on!

How is Breast cancer caused?

The causes of breast cancer are many, but genetic mutations also play a major role in the occurrence of breast cancer. The genes that are responsible for the cause of breast cancer include breast cancer gene 1(BRCA1) and breast cancer gene 2 (BRCA2). The genes named TP53 and CHEK2 have also been seen to be associated with an increased risk of breast cancer. However, researchers have studied several other causes of breast cancer that may increase the chances of developing breast cancer. These include:

• Exposure to oestrogen: The major cause of breast cancer almost everyone ignores is the female hormone oestrogen, which can activate the breast cancer cells and cause them to grow. This hormone is stimulated in the body when the ovaries, where the eggs are stored, begin to produce oestrogen at the start of puberty to regulate the menstrual cycle. A person is at risk of developing this cancer when the amount of oestrogen in the body increases up to a certain level than normal.
• Hormone Replacement Therapy (HRT): Hormone replacement therapy (HRT) has been studied to increase the risk of developing this cancer if the women take this therapy for a prolonged period, probably more than a year.
• Women who are aged 50 or older are more at risk to get breast cancer than younger women.
• Breast cancer can form in both males and females, but the maximum number of cases of breast cancer are reported in women
• Personal history of cancer. The odds of developing this form of cancer could go up slightly if we have been diagnosed with cancer in the past.
• Family history. If a first-degree female relative like a mother, sister, or daughter has any history of breast cancer, she is at a greater risk of getting breast cancer.

Uterine cancer occurs when there is growth of abnormal cells in the uterus, and it is beyond control. Statistics reveal that 66,000 women in the US are most likely to get diagnosed with one of the types of uterine cancer.

Uterine carcinoma has two subtypes — endometrial cancer and uterine sarcoma. Endometrial cancer starts in the uterus lining. It is responsible for almost 95% of all cases of uterine cancer. It is more common than uterine sarcoma, which tends to develop in muscle tissue (myometrium) and is uncommon.

Here, we will discuss the causes of uterine cancer and the associated risk factors.

How is uterine cancer caused?

Causes of uterine cancer are many and may vary from individual to individual. Some of the causes are:

• Age: This is directly related to an increased risk of developing uterine cancer. It usually occurs after menopause.
  
  
• Family history: A family history of the disease is one of the significant causes of uterine cancer, particularly among individuals with conditions like Lynch syndrome and hereditary nonpolyposis colorectal cancer (HNPCC).

• Increased number of menstrual cycles: Women who experience early menstruation, typically at 12, undergo more menstrual cycles throughout their lifetime, increasing their risk of developing uterine cancer.
  
  
• Infertility: Obesity also contributes to the development of endometrial cancer. Fat in the body has the potential to alter hormonal levels, which ultimately affect the proper functioning of the body, leading to the development of several diseases and health problems.
  
  
• Hormone therapy for breast cancer: Another major cause of uterine or endometrial cancer is the intake of Tamoxifen, a hormone therapy medication for breast cancer. People with breast cancer who take this hormone therapy medicine may be at risk of developing uterine cancer.
• No pregnancy: Not being able to get pregnant even once can also be responsible for the development of uterine cancer in comparison to women who have had at least one pregnancy.
  
  
• Other ovarian diseases: Women who suffer from one or the other forms of ovarian tumours tend to have increased oestrogen levels and low levels of progesterone, again known as one of the causes of uterine cancer.

• Treatment for various health conditions: Radiation therapy used in the treatment of uterine cancer, Oestrogen Replacement Therapy, and hormone therapy for breast cancer treatment are some of the causes linked to the development of uterine cancer.
  
  
• Polycystic ovarian syndrome: PCOS, or polycystic ovarian syndrome, is related to an imbalance in the hormone level of females, leading to excess production of oestrogen or androgen hormone and too little progesterone production. Too much oestrogen production and too little progesterone put females at risk of developing uterine cancer.
  
  
• Endometrial hyperplasia: This is a condition that leads to the thickening of the uterus lining. It tends to occur when a build-up of cells and glandular structures leads to the thickening of the uterus. Although hyperplasia is not cancer, this condition may increase the chances of the development of uterine cancer.
  
  
• Women with diabetes or high blood pressure: Women with type 2 diabetes and high blood pressure remain at an increased risk of developing uterine cancer.  
  

Bone marrow cancer occurs when cells within the bone marrow start to grow abnormally or excessively. The bone marrow is a vital part of the body’s blood-producing system. A combination of factors can affect it. This article explores the bone marrow cancer causes and risk factors associated with it, shedding light on potential contributors such as exposure to radiation, specific viruses, immune system suppression, genetic predispositions and prior cancer treatments.

How is Bone Marrow Cancer Caused?

Here are the leading causes of bone marrow cancer, including:

• Exposure to atomic radiation, which can damage bone marrow cells.

• Infection by specific viruses, including HIV, hepatitis, retroviruses and herpes viruses, can disrupt normal cell growth.
• A compromised immune system or plasma disorder makes the body less capable of regulating cell growth.
• Genetic conditions or a history of bone marrow cancer in the family can lead to bone marrow cancer. It indicates a hereditary predisposition.

• Previous chemotherapy or radiation therapy may damage healthy bone marrow cells.
• Lifestyle factors such as smoking and obesity potentially increase the risk.
• Exposure to toxic chemicals found in solvents, fuels, cleaning products and agricultural items may contribute to developing bone marrow cancer.

Most insurance companies have been asked, although not mandated by the Insurance Regulatory Development Authority of India (IRDAI) to cover Ayurveda, Yoga, Unani, Siddha and Homeopathy (AYUSH) treatment in their health policies.

While the demand for health insurance cover for AYUSH has increased, there are relatively few hospitals that cater to these. This is proving to be a major deterrent for the success of the AYUSH health insurance.

The pattern of treatment under AYUSH differs widely from allopathy and this is considered to be the major cause of confusion amongst patients as to whether or not hospitalisation is needed for reimbursement under the cover. This also creates difficulties for the insured to ask for claim under such treatment procedures.

In general, the in-patient hospitalisation expenses are covered under the AYUSH health policy. Given that allopathy is still the preferred form of treatment, most people do not opt for AYUSH cover. Moreover, most companies charge 10% higher premium for AYUSH as compared to normal health policy. However, in the ICICI Lombard Health Insurance policy, AYUSH is a part of the cover with no additional charges.

As more people turn to holistic and preventive healthcare, traditional systems like AYUSH are gaining popularity. Recognising this shift, many health insurance providers now include AYUSH treatment coverage in their policies. This addition allows policyholders to access alternative therapies without bearing high out-of-pocket expenses. Let us get to know more about this treatment.

What is AYUSH treatment?

AYUSH stands for Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homoeopathy. These systems focus on natural healing, preventive care and overall wellness. Backed by the Ministry of AYUSH, they are increasingly integrated into mainstream healthcare.

Each method offers a unique approach:

• Ayurveda: Herbal treatments and lifestyle modifications
• Yoga & Naturopathy: Physical and natural therapies
• Unani and Siddha: Herbal formulations and holistic healing
• Homoeopathy: Diluted remedies for various ailments

What is covered under AYUSH treatment?

Health insurance plans offering AYUSH coverage typically include:

• In-patient hospitalisation in recognised AYUSH hospitals
• Consultation, therapy and medication expenses
• Some policies also cover pre- and post-hospitalisation costs

Coverage applies only when treatment is taken at government-approved or accredited AYUSH facilities.

Benefits of AYUSH treatment

AYUSH treatments offer numerous advantages, especially for those seeking a more natural and holistic approach to healthcare:

• Fewer side effects due to natural ingredients.
• Preventive care to manage chronic conditions early.
• Cost-effective compared to modern medical treatments.
• Personalised approach for better long-term outcomes.

Why should I choose health insurance with AYUSH treatments coverage?

Choosing a medical insurance plan that includes AYUSH coverage provides more flexibility and ensures a broader range of treatment options for you and your family.

• AYUSH coverage combines both modern treatments and traditional treatments.
• The coverage also manages certain chronic and lifestyle conditions like arthritis, asthma and stress, effectively.
• Natural AYUSH therapies are often more affordable than conventional treatments.
• Family health plans with AYUSH coverage allow members to select treatments suited to their individual health needs.
• AYUSH coverage ensures quality care at government-approved hospitals.

Conclusion

AYUSH coverage under health insurance is a smart addition for those who value natural and preventive care. The coverage also supports treatment flexibility and broader wellness while offering financial protection. When selecting medical insurance for parents, consider one that includes alternative therapies, in case they ever need them.

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.