Benjamin Franklin said, "Early to bed and early to rise makes a man healthy, wealthy and wise." These wise words have improved our lives in many ways. But we can all agree that adhering to such wisdom and routine has become a lot more difficult in this fast-paced time. Despite getting exercise and following a healthy diet, people fall sick sometimes. Even in the absence of illness, sometimes a minor accident can also land someone in the hospital. And with the rising healthcare expenses, having health insurance becomes more important than ever in such scenarios.

In our ever-changing lives, nothing is permanent. We grow up, meet new people, events in our lives change, and with that, our needs change, demands change. When change is the only constant, why should the health insurance policy be the same? Should it not undergo a review? It should!

Now, if you have any doubts in mind regarding why you must review your health insurance plans annually, we will clear them out. Please keep reading.

1. Changing lifestyle

Over the last few decades, our lives have gradually become tech-dependent. However, the changes are happening at a tremendous pace in recent times. A global pandemic has disrupted our lives, forcing us to adapt to a sedentary lifestyle. A year-old health insurance policy may not suffice to deal with the present necessities in such a scenario. Therefore, reviewing your health insurance before the time of renewal becomes crucial.

2. Pre-existing diseases

When buying a health insurance policy, you must have noticed that there are waiting periods for some diseases, such as diabetes, hypertension, etc. These are called pre-existing diseases (PEDs), and the waiting period for these generally lasts 2-4 years. Within this period, the incumbent or the policyholder doesn't get insurance cover for that disease.

When you review your health insurance plan, it helps you learn and understand the pre-existing waiting period better. If you have been diagnosed with any such disease, you can notify your insurer about the same.

3. Changing life events

As time passed by, some of us grew up, and some grew old. You can probably look back in time and realize how much things have changed in your life. Major life events like getting married, becoming a parent, changing jobs, and changing cities, etc., demand a lot more than there is. For example, after marriage, the number of family members may increase.

The case is quite similar to your health insurance policy; it was probably enough a year ago, but now it's not. Therefore, before the renewal time, you should review your health insurance plan. You can add new members, such as a spouse or child, into your policy at the time of renewal.

4. Ensure adequate cover

As science progressed, the Indian healthcare system witnessed a rise in the use of advanced machinery. Rigorous research in medical science has invented technologies that can diagnose diseases at an early stage. However, such advanced treatments don't come cheap. Review your health insurance policy to ensure that it provides adequate cover, should you ever need them. For instance, you can look at the family health insurance, which covers modern treatments.

Not only advanced treatment, but the overall healthcare service has also become a lot expensive these days. Consider reviewing your health insurance policy before you renew it. It is vital to learn if your health insurance covers most diseases, whether the waiting period is less, or if the premiums are justified.

5. Grab the additional sum insured

Suppose you haven't made a single claim during your insurance cover period. In that case, you are more likely to get an additional sum insured (ASI) upon renewal of your health insurance policy. Every reputed insurance company follows this practice to incentivize the insurance buyer. Every year, you must review your health insurance policy to rip the benefit of ASI, which can go as high as 100% - 150%.

Failing to review your health insurance policy, you will not only lose out on your ASI benefits but may also end up going for a medical check up again.

6. New add-ons and covers

Insurance companies are launching new products and services every year to outperform their competitors. It means you can get improved services, new riders, better cover, etc., by paying the same or a little higher premium. For e.g. ICICI Lombard Complete Health Insurance recently got upgraded with lots of new add-ons, including Air Ambulance, Worldwide Cover, etc. Only an annual review of your health insurance can get you the best deal.

Standing at this point in the article, we hope you have learnt the importance of reviewing your health insurance plans. Nonetheless, to help you further in the cause, here are some quick tips that you should keep in mind:

• Review the health insurance plan your employer provides you and ensure it offers adequate health coverage.
• Check the cost of critical medical care, e.g., treatment for cancer, heart diseases, fractures, childbirth, accidental cover, etc.
• Review the co-payment clauses.
• Check whether the insurance provider has a good claim settlement ratio for the last 5 years.
• Enquire about the network of cashless healthcare facilities, i.e., hospitals, diagnostic centres, etc.
• If you are going to live in another city, consider the cost of healthcare in the new city.

A record 2,16,828 new Covid-19 cases were recorded in India on 15th April, 2021. As a result, many states went into complete lockdown.

The spread of coronavirus during the start of 2020 wreaked havoc in the entire world. More than 100 million people got infected with the virus, resulting in the death of more than 2 million people. India was no different, with more than 10 million cases and around 1 lakh deaths due to coronavirus. India ranked third among the worst affected countries after the USA and Brazil.

When the coronavirus vaccine in India was launched on 16th January 2021, we all thought the pandemic days are gone and started to breathe freely. However, the joy was short-lived. The disease hit the country even harder in the form of the second wave of coronavirus. As a result, the number of coronavirus cases in India started going up rapidly, and this time the symptoms were even more severe.

As per the official records, as many as 2,16,828 new Covid-19 cases were recorded in India on 15th April 2021. This was the highest number of cases recorded in our country in a single day till date. As a result, many state governments, including Maharashtra, Uttar Pradesh, Gujarat, Punjab, Delhi, and West Bengal, announced either complete lockdowns or night curfews.

A negative Covid-19 report obtained within 72 hours was also made mandatory by many state governments for air travellers from other states of India. This article explains how this second wave of coronavirus in India is different and more severe than the first wave. Continue reading.

First wave vs. second wave

The recent surge in Covid-19 cases in India is more rapid than the first wave during August to October last year. The cases have been rising at double the pace in the second wave of coronavirus in India. While it took 32 days for cases to rise from 18,000 to 50,000 during the first wave, it took only 17 days to rise from 18,377 to 50,000 during March 2021.

The total number of cases being recorded in a single day is also much higher during the second wave. During the first wave, the highest number of cases recorded in a single day stood a little over 1 lakh. However, the number of cases in a single day during the second wave has already reached the figure of 2 lakh, while many fear the worst is yet to come.

India becomes the second worst-hit country in the world

After the onset of the second wave of coronavirus, India overtook Brazil to become the second worst-hit country in the world. So far, the country has recorded around 1.4 crore Covid-19 cases, which keeps it only behind the USA (3.27 crore cases). India surpassed Brazil in terms of the total number of Covid-19 cases only in April 2021 after staying in the third position for several months.

When it comes to the total caseload, Maharashtra remains the worst-hit state during the second wave as well, followed by Uttar Pradesh, Punjab, Chhattisgarh and Kerala. Along with the number of active cases, the fatality rate has also gone up during the second wave of coronavirus in India. The death count on 14th April stood at 1,72,085 with 1027 new fatalities, the highest since 18th October 2020.

What's different during the second wave?

According to the experts, the rapid spread of coronavirus in India during the second wave is mainly because of two reasons – first is the presence of new homegrown variants and second is the absence of a lockdown. The laxity in preventive measures coupled with several mass gatherings across the country has resulted in a nationwide crisis.

Also, unlike the first wave, the surge in cases is restricted to only a few states during the second wave. According to the Ministry of Health, five of the worst-hit states cumulatively account for 80% of the fresh coronavirus cases in India. These states have started to witness a shortage of hospital beds, oxygen cylinders, medicines, and even spaces in morgues and crematoriums.

Moreover, unlike the previous wave when the vaccine was in its initial stages of development, India now has two coronavirus vaccines – Covishield and Covaxin. Even though we are far from achieving herd immunity against this disease, the ongoing vaccination drive can make a big difference in the fight against the Covid-19.

Are more young people getting infected?

Since December 2020, those below the age of 45 accounted for almost 60% of the new covid-19 infection cases in India. In Maharashtra, which the worst-hit state, people below the age of 40 accounted for approximately 48% of the cases recorded between January to March this year. Whereas, in Karnataka, 47% of those who tested positive between this period were aged between 15 to 45 years.

However, the death rate due to coronavirus is still the lowest among this age group. Almost 55% of those who died of this virus were aged 60 or above. There are also concerns about the children getting affected at a higher rate during the second wave. Experts believe that this may be because most people above the age of 45 have received vaccines by now and hence, may have become immune to the disease.

An SSY account can be opened by the parents or legal guardians of a girl child who is below the age of 10.

With an aim to address the declining sex ratio and increasing cases of sexual discrimination, the Government of India launched a social campaign known as "Beti Bachao, Beti Padhao" on January 22, 2015. The literal meaning of this campaign translates to, "Save daughters, educate daughters".

The main objective of this campaign was to achieve three main concerns:

• Stop gender discrimination and abolish the practice of female foeticide
• Ensure survival and optimum protection of girls in India
• Provide proper education and work opportunities to girls

Sukanya Samriddhi Yojana (SSY) was one of the Government's pet schemes launched under the Beti Bachao, Beti Padhao campaign. The main aim of this scheme was to help parents or legal guardians of girl children to raise corpus for their wedding and higher education. Keep reading to know more details of this scheme.

What is Sukanya Samriddhi Yojana (SSY)?

As stated above, the Sukanya Samriddhi Yojana is aimed at tackling two main issues associated with a girl child in India – her education and marriage. This scheme focuses on ensuring a bright future for girls in India by helping their parents build sufficient funds for meeting the expenses required for their higher education and marriage.

For this purpose, the Government of India introduced a particular deposit account known as Sukanya Samriddhi Account.

Sukanya Samriddhi Yojana details

Before opening an account under Sukanya Samriddhi Yojna, here are a few details that you should know:

1. Minimum and Maximum Deposit Amount- At the time of opening the account, a minimum of ₹250 has to be deposited in it. Once the account is opened, the beneficiary has to make a minimum deposit of ₹250 every financial year. Above that, he/she can deposit any amount in the multiples of ₹50. The maximum amount that one can deposit in a Sukanya Samriddhi Account during a financial year is ₹1.5 lakh.

These deposits can be made till the completion of 15 years from the date of opening the account. In case the beneficiary fails to deposit the minimum amount of ₹250 in any financial year, the given Sukanya Samriddhi Account will be treated as a default account, except if default is due to death of the parent or guardian who opened the account.

1. Duration of Account- The deposits under the Sukanya Samriddhi Account have to be made until the completion of 15 years from the opening date. The account gets matured after the completion of 21 years from the date of its opening. Post which, the maturity amount (accumulated corpus + interest amount) will be paid to the girl on whose name the account is opened.

Premature closure of a Sukanya Samriddhi Account is permitted under the following conditions:

• Death of the parent or guardian
• The girl child is diagnosed with a life-threatening disease and needs medical treatment.

1. Documents Required- To open a Sukanya Samriddhi Account, an applicant can approach a post office or the Reserve Bank of India or a public or private sector bank such as ICICI Bank. Below are the documents that he/she needs to carry:

• Duly filled SSY account opening form
• Birth certificate of the girl child
• PAN card of the guardian/parent
• Aadhar card of the guardian/parent

Sukanya Samriddhi Yojana age limit and maturity period

The parents or guardians of the girl child can deposit in her Sukanya Samriddhi Account on her behalf till she attains the age of 10. After the age of 10, either the parents or the girl child herself can deposit the amount and operate the account. After the girl attains the age of 18, her Sukanya Samriddhi Account has to be mandatorily operated by herself only.

Tax benefits of Sukanya Samriddhi Yojana

A Sukanya Samriddhi Account is eligible for EEE or Exempt-Exempt-Exempt status under the Income Tax Act of 1961. It means that the deposits made under the Sukanya Samriddhi scheme, interest earned on these deposits, and the maturity amount are exempted from the income tax under section 80C of The IT Act.

Sukanya Samriddhi Yojana benefits

In addition to the tax exemptions, the following are some of the key benefits of Sukanya Samriddhi Yojna:

• High-Interest Rate: SSY offers a higher interest rate compared to many other small savings schemes.
• Flexible Deposits: Allows flexibility in the amount and frequency of deposits, accommodating various financial situations.
• Government Backing: Being a government-backed scheme, it ensures the safety and security of the investment.

Sukanya Samriddhi Yojana interest rate 2025

As with other Government schemes, the interest rate for the Sukanya Samriddhi Account is decided by the Government and is revised every quarter. As of the financial year 2024-25, the interest rate for SSY is 8.2% per annum. This rate is subject to periodic revision by the government. The rate of interest offered on this account is higher than other fixed-benefit savings instruments such as Fixed Deposits, Recurring Deposits, etc.

Sukanya Samriddhi Yojana interest calculation

The interest on a Sukanya Samriddhi Account is calculated on a yearly compounding basis on the lowest available balance in the account between the fifth day and last day of the month. The actual interest earning is credited into the account after the end of every financial year.

Sukanya Samriddhi Yojana eligibility

A Sukanya Samriddhi Account can be opened by a parent or legal guardian of a girl child, below the age of 10. The beneficiaries can approach a post office or a bank (which offers this scheme) to open a Sukanya Samriddhi Account. However, do keep in mind that only one Sukanya Samriddhi Account can be opened for a single girl child.

It means that both the parents cannot open a Sukanya Samriddhi Account under the name of the same girl child. Also, these accounts can be opened for only two girls in a family as per the scheme rules. However, in the case of twins or triplet girls, more than two accounts can be opened by the parents or guardians.

Sukanya Samriddhi Yojana application form

To open an SSY account, follow these steps:

1. Obtain the Form:

   Available at authorised banks and post offices or can be downloaded from their official websites.

2. Fill in Details:

   Provide accurate information about the girl child and the parent/guardian.

3. Submit Documents:

   Include the child's birth certificate, proof of identity, and proof of residence of the parent/guardian.

4. Make Initial Deposit:

   Deposit an amount between ₹250 and ₹1,50,000.

5. Account Activation:

   Upon verification, the account will be activated and a passbook will be issued.

Sukanya Samriddhi Yojana vs PPF

While both SSY and Public Provident Fund (PPF) are popular savings schemes, they differ in certain aspects:

• Target Beneficiaries:

  SSY is exclusively for girl children, whereas PPF is open to all Indian citizens.

• Interest Rates:

  SSY generally offers a higher interest rate compared to PPF.

• Deposit Limits:

  Both have similar deposit limits, but SSY requires a minimum annual deposit of ₹250, whereas PPF requires ₹500.

• Maturity Period:

  SSY has a fixed maturity period of 21 years, while PPF matures in 15 years with an option to extend.

Investors should assess their financial goals and choose the scheme that best aligns with their objectives.

Conclusion

Now that you're aware of the Sukanya Yojana details, you can take the right step in the direction of securing your daughter's future. By depositing in an SSY account regularly, you can create a large corpus to fund your daughter's higher studies or marriage when she becomes ready for that.

Compared to other savings schemes like PPF, SSY offers a higher interest rate and long-term benefits. Additionally, investing in SSY alongside a health insurance policy for family ensures overall financial security, covering both future education costs and unexpected medical emergencies. A well-planned financial approach, including SSY and a health insurance plan, can safeguard your family’s future while securing your child’s dreams.

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 Covid-19 pandemic hit India in March last year. As a result, the nation went into a lockdown for months with strict social distancing norms in place. As the year moved towards its end, the situation began to improve, and the number of active cases started going down gradually. Finally, in December 2020, the Government of India introduced the vaccine for coronavirus, and in January 2021, it started the biggest vaccination drive to make its citizens immune to the virus.

During the first phase of the vaccination, healthcare workers and other frontline warriors, who helped fight the pandemic, got the vaccine shot. During the second phase, citizens above 60 and those above 45 with co-morbidities were eligible to get the vaccine. During the third phase, the Government extended the vaccination drive for all citizens between 45 to 59 years of age.

On April 22, the Government of India announced the fourth phase of its vaccination drive, in which people aged between 18 to 45 years would be eligible for the vaccine. As per Government guidelines, pre-registration on the CoWIN app or web portal is mandatory for everyone willing to get the coronavirus vaccine shot.

The registration for the fourth phase of vaccination started on April 28, and from May 1 2021, the eligible citizens can take the vaccine shot. So, in case you fall within the age group of 18 to 45 and haven't yet registered for coronavirus vaccination, you should do it without further delay. In this article, we will tell you how you can do so.

We've also listed valuable tips along with dos and don'ts for successful registration and vaccination. Continue reading.

How to register yourself for the vaccine?

You can register yourself to get your first dose of vaccine through the CoWIN app/website or through the Arogya Setu app. You can then choose a vaccination slot at a centre/hospital near you.

Steps to register yourself on the CoWIN app or website:

• Step 1 – Download the CoWIN app on your smartphone via Google Play Store or Apple's App Store
• Step 2 – Alternatively, visit the CoWIN website and click on "Register/Sign In Yourself"
• Step 2 – Enter your mobile number to receive OTP
• Step 3 – Enter the OTP your received on your mobile number and click on "Verify"
• Step 4 – Fill in your personal details such as name, age, gender etc. on the registration page
• Step 5 – Enter your AADHAR card number and verify it using UIDAI OTP
• Step 6 – Select your vaccination centre and schedule an appointment for any available date

Steps to register yourself Aarogya Setu app:

• Step 1 – Download the "Aarogya Setu" app on your smartphone. In case you've already downloaded the app, make sure it's updated to the latest version.
• Step 2 – Register yourself on the app using your mobile number and OTP
• Step 3 – Click on "Vaccination" tab
• Step 4 – Register yourself for the vaccine by proving your Aadhar card number and verifying it.
• Step 5 – Select your vaccination centre and schedule an appointment for any available date

Tips to follow while registering yourself for the vaccine

Be patient and do not panic

It was reported that due to heavy traffic, the CoWIN app crashed on the first date of the registration. You need to be patient in such circumstances and avoid panicking. Also, to maintain social distancing norms, only a limited number of appointment slots are available at a vaccination centre for each date. Hence, if you're not getting an appointment, don't fret. Wait for your turn, and you'll get it.

Avoid going to the vaccination centre without registration

As we have already mentioned before, online pre-registration is mandatory for all those willing to get vaccinated during the fourth phase of the Covid-19 vaccination drive in India. Hence, if you have not done your registration, avoid going to the vaccination centre. Understand that this is for your safety; unnecessary crowding at such places can become dangerous.

Keep multiple options in your hand

When it comes to your preferred vaccination centre, you should not be adamant about a fixed hospital. If you are not getting an appointment at your preferred venue, you can check out at other centres in your vicinity. To know the list of vaccination centres in your locality, you can visit the CoWIN portal, select "Vaccination Centres", and enter your state and district, or simply enter your PIN code.

Don't fret if you miss your appointment date

In case you miss your appointment date for the vaccination due to some unforeseen circumstances, don't think that it's the end of the road for you. You can always reschedule your appointment by logging into the CoWIN app or web portal and clicking on the "Edit" icon below the Action column against registered individuals.

In case you need to move to another city, you can select an appointment at a vaccination centre located in that city as well. Do check the CoWIN portal before going to the vaccination centre. All relevant details regarding a vaccination centre, such as availability of the stock, price per dose, and compliance management, are mentioned on the CoWIN platform. Hence, before you go to the centre for taking your vaccine shot, it's advisable to check the CoWIN portal and make sure the centre is functional, and doses are available there.

Very recently, a thick blanket of smog engulfed Delhi and shot up air pollution in the national capital to hazardous levels. Air quality readings in the city reached alarming figures, surpassing the 1,000 mark on the US embassy air quality index. The World Health Organisation considers anything above 25 to be unsafe.

The above measure is based on the concentration of fine particulate matter, or PM2.5, per cubic metre. These particles are smaller than 2.5 micrometres in diameter and particularly harmful, as they can infiltrate deep into the lungs and spread into other organs to cause severe health dangers.

The demands of daily life compels us to get out of our homes and expose our lungs to harmful pollutants. When their concentration reaches a critical level, it’s no longer safe to breathe outdoors. However, following few easy and affordable practices can help reduce the risk and beat toxic air in any city.

Predictive Outdoor Pollution Apps

Today, there are multiple sites and apps that give us predictive outdoor air quality reports. In early 2015, the Indian government had launched SAFAR-Air, country’s first mobile app to provide current and one to three-day forecast of air quality and related health advisories. The colour-coded system helps to easily comprehend the air quality, and decide on our outdoor plans.

Other apps that help monitor air pollution levels include Plume Air Report and Air Quality: Real time AQI. SatAQ’s website is a useful portal that provides information on air quality, and sources and causes of pollution.

The Right Respirator

Comfort masks made from cloth do not fulfil the purpose of adequate respiratory protection. Proper respirator masks make a seal with the face and have a filter that prevents contaminated air from entering the mouth or the nose.

When the levels of particulate matter touched disturbing levels in Delhi, it became crucial to get a respirator rated N95/N99/FFP3 or one which is ‘NIOSH Approved’, filtering out more than 95% of particles larger than 0.3 microns.

Critical illnesses are termed critical because they can significantly impact your lifestyle, impair your earning ability, and in the worst case, prove fatal. Factors that make critical illnesses even more dangerous are their potential to wipe out your entire savings, slide you and your family into a debt trap, and derail your life goals.

India is fast witnessing a rise in the number of critical ailments, the treatment of which is pushing many into poverty. Here are some of the major critical ailments and an approximate cost of their treatment in India.

Cancer

Slowly becoming a mass killer in India, the Indian Council of Medical Research (ICMR) estimates more than 17.3 lakh cases of cancer in India with more than 8.8 lakh deaths by 2020. A disease involving abnormal growth of cells, treatment of cancer is emotionally and financially challenging. In case the family’s principal breadwinner is diagnosed with the disease, the suffering is endless.

There are several types of cancer such as blood cancer, lung cancer, liver cancer, colon cancer, prostate cancer, etc. Treatment costs involve doctor visits, chemotherapy, medicine expenses and pre- and post-hospitalization expenses. A single drug can cost ₹75,000 to ₹1 lakh and a single chemotherapy cycle can cost anything between ₹1 to 2 lakh. Cumulatively, cancer treatment can go upwards of ₹10 lakh in India.

Heart ailments

Heart ailments have seen a significant rise in India in the last few years. According to a study, deaths due to cardiovascular disease rose by 34% between 1990-2016 in India. The study also found Ischemic heart disease and stroke to be the leading cause of death. Smoking, obesity, hypertension, stress, unhealthy food habits and high cholesterol levels are some of the primary reasons for heart ailments.

Congenital heart disease, coronary artery disease, dilated cardiomyopathy, pulmonary stenosis and mitral valve prolapse are some of the common heart ailments. Just like cancer, treating these diseases is an expensive affair. Though the cost of treatment varies, expenses can easily reach ₹3-5 lakh or even more. Follow-up visits along with lab and CT scans further inflate the medical bill.

Kidney diseases

According to statistics, 1 in 10 persons in India is estimated to suffer from some form of chronic kidney disorder. Nearly 1.75 lakh new patients suffer from kidney failure every year and need dialysis or kidney transplant. However, dialysis and kidney transplant are quite expensive. It’s estimated that only 3-4% of people get kidney transplant while only 20-25% can afford dialysis.

While a kidney transplant can cost anything upwards of ₹6.5 lakh, dialysis can set you back by ₹18,000-20,000 per month. Following a successful transplant, lifelong intake of steroids, supplements and immunosuppressants can further cost ₹5,000 per month. For a middle-class household, the expenses are quite high, and many may find it difficult to bear.

Liver Cirrhosis

Obesity-related disorders and intake of alcohol have boosted the cases of liver cirrhosis in India significantly. Around 10 lakh people are diagnosed with liver cirrhosis every year, which is the tenth most common cause of death in India according to the World Health Organisation (WHO). Also, once diagnosed, there are very few chances of the disease reversal. Liver transplant is the only way to treat this disease, failing which the patient may succumb within 2-3 years.

Just like the above-mentioned critical ailments, liver transplant is quite expensive and can range anywhere between ₹10-20 lakh. While finding a donor in itself is a critical affair, there are several regulatory issues like authenticating paperwork which delay the process. Following a successful transplant, around ₹8,000-10,000 per month is required for immunosuppressants.

Alzheimer’s disease

With the fast ageing Indian population, the danger of Alzheimer’s gripping the Indian elderly looms large. According to the India Ageing Report 2017, the elderly population in India is increasing at a faster rate of 3%. The cost of taking care of Alzheimer’s can be upwards of ₹40,000 per month.

When tackling tensions of the everyday, it is easy to lose focus and forget about the only constant – life. Sometimes, you need to take a few moments in which you stop, contemplate and plan to take a turn to improve the quality of your life.

Trying to improve the quality of your life doesn’t always include making a major life change or even by completely revamping yourself. It comes with making small choices every single day and realising the goal with every small step. Here are some ways in which you can improve the quality of your life.

Sleep Right

People do not stress enough upon the importance of a good night’s sleep. Ensuring that you get at least seven hours of sleep every night boosts mood and performance, helping you feel better equipped to handle the stresses of your day.

Gratitude is Key

Whether it is writing down your blessings at the end of every day or simply paying more attention to the positive aspects of your life; when you start focusing on the good things, you invite happiness into your life, beginning the process to improve the quality of your life.

Get Organised

A lot of confusion and chaos can be avoided if you take steps towards organising your life. Decluttering by putting your priorities right and taking action upon them can be of great help. Get a journal, plan ahead, try and stick to your plans and get the most out of your day.

Invest in Yourself

We spend thousands of rupees on things like clothes, shoes, gadgets, homeware, etc. While they provide instant gratification, they do little to improve how we feel about our lives and ourselves. If we spend that time, money and effort into acquiring a new skill, creating something or helping someone, it is sure to improve the quality of your life and those around you.

Connect with Nature

An effective way of getting perspective on things and putting your life back on track is by making nature a part of your every day. Go for walks in parks, drive out of the city and take regular breaks into the wild. You will feel rejuvenated and more willing to take on new challenges.

Drop Negative Thoughts

It is easy to stay stuck in a loop of negative thoughts that make situations appear worse than they actually are. When feeling stuck, it is important to reach out for help to improve the quality of your life. It can be in the form of a phone call to your friend, words jotted down in a diary or listening to empowering music.

Learn Self-Worth

Being acquainted with your strengths can help in building confidence and push you towards bigger opportunities. Analyse your strengths, hone your skills and align work-life with your skill set. For example, if you have a knack at organising and handling stressful situations; get educated to improve your organisational skills and get yourself a job that pays for organising.

When you play at your strengths, you increase the feeling of self-worth and improve the quality of your life.

How mobile phone usage affects your health and steps you can take to reduce usage

Mobile phone usage in India has increased from 524.9 million people in 2013 to 775.5 million people in 2018, and these numbers are expected to increase to 813.2 million in 2019. It can, therefore, safely be said that mobile phones are here to stay. These networked mini computers are extremely powerful, and have made the entire human population increasingly reliant on them.

How Mobile Phones Affect Health

However, this increasing mobile phone usage and dependence comes with a horde of health issues. Apart from causing dry and sore eyes, your cellphone is also home to a lot of germs. These germs come from carrying your phone everywhere. A study showed that your phone could be covered in traces of dangerous germs like MRSA, staphylococcus aureus (which causes staph infections and toxic shock syndrome), and E. coli.

Moreover, mobile phones also cause headaches and stress. In fact, the stress/fear of not having your phone near you is a real thing: it’s called Nomophobia. Another mobile phone caused condition is the ‘text neck’. This is the pain caused in your shoulders and neck by constantly looking down at your phone.

With all these health hazards, it might be better to stop using mobile phones altogether. Unfortunately though, that is not really an option in today’s world. The solution is, rather, to be responsible with its usage, and there are many steps you can take to do so.

Steps to Control Mobile Phone Usage

Here are a few easy steps you can take to reduce your mobile phone usage:

• Keep your phone out of your reach while you are reading or watching TV. Focus on what you are doing instead of letting your phone distract you.
• Turn off notifications that don’t require immediate action. For example, you can turn off notifications from Whatsapp groups that only share forwarded messages.
• Clock the browsing you do on your phone. At night, fix a timing to stop browsing your phone and then put it away.
• Do not be using your phone while you’re in bed. In fact, turn your phone off, or at least put it on airplane mode before you sleep.
• Stop checking your phone while in line. Don’t be browsing just because you don’t have anything to do for a minute.
• Don't repeatedly check your all social media apps. Check one at a time instead and put down your phone after. This may take a little self-training.

If you feel uneasy and sick while travelling by road, railways, water or air, you might be suffering from ‘motion sickness’. It can be a debilitating experience that can ruin your travel day. You could arrive at your destination completely exhausted and fatigued due to the side effects of motion sickness. This article can help you out in diagnosing and dealing with the malady.

Symptoms

A feeling of uneasiness followed by nausea and vomiting while travelling are the most common symptoms of motion sickness. It can also cause cold sweat, headache and body pain. You might feel extremely sleepy and your skin can get pale. You can also feel dizziness or malaise due to the disorder in your brain. Lots of yawning and irritation as soon as your journey starts can be the first sign of motion sickness.

Causes

Motion sickness occurs when conflicting signals are sent to the brain by other parts of the body that detect motion. One part of the sensing system, like eyes and sensory nerves indicate that the body is moving, whereas other parts like the inner ear do not sense a motion. This leads to a conflict in the brain and results in motion sickness.

The brain may detect such a situation as effect of a poison, which leads to vomiting as a natural reaction to get rid of the poison. Due to mixed signals, the brain cannot function properly and you feel dizzy, get headache and nausea.

Remedies

There are numerous medications that may be used for motion sickness treatment. These are useful when taken before the onset of symptoms.

• Hyoscine: It is the most common medication used to treat motion sickness. It blocks some of the nerve signals to the brain and hence you feel sleepy and drowsy.
• Antihistaminic: These alternative medicines are also used to treat symptoms of allergy and nausea. It needs to be taken two hours before the journey.

Holi is a festival of colours and the origin of this festival dates to thousands of years. Over the decades, Holi has become quite popular among children. They rejoice playing with colours and the fiesta is a perfect platform for them to strengthen bonds with their friends, relatives, siblings, cousins and neighbours.

However, Holi, despite its vibrance, is a little risky for children, as it can cause skin allergies, organ damages, fever or stomach ailments if proper protection isn’t taken. Thus, you as a parent or guardian must take precautions to ensure a safe Holi for your beloved child. Given below are 8 ways to do so.

1. 1. Avoid Synthetic Colours




Synthetic colours, though cheaper and easily available, contain harmful chemicals like mercury, lead and aluminium bromide. Children with sensitive skin can suffer from severe allergies and rashes if synthetic colours are splashed upon them. Try to avoid such colours and buy certified organic or herbal colours.

Organic colours can easily be washed and are gentler on your child’s delicate skin. Also, while bathing your child post-Holi celebration(s), avoid harsh soaps. You can use besan ubtan or curd. The astringent characteristic of curd helps in taking off colours. In the past, organic colours were naturally prepared at homes. Today, you can purchase them online.

2. 2. Appropriate health management tool




We all know the importance of a healthy lifestyle. You might have adopted few fitness routines and daily exercises in order to reach your coveted health goals. The use of wearable devices can help you to know whether your workout activities are helping you in achieving your health goals, thereby acting as a crucial tool for your health management.

3. 3. Ensure Colours are Not Ingested




Many children sometimes mistakenly ingest colours while playing Holi. This can cause serious ailments as colours are not edible substances. Synthetic colours that contain harmful chemicals, which if ingested can lead to serious diseases.

Thus, keep a close watch on your child and ensure he/she does not ingest colours. However, in case your child does so, it is better to go to the nearest medical centre for treatment at the earliest.

4. 4. Teach Your Children Good Water Manners




While Holi is a festival of joy and fun, some people avoid participating in it due to religious, personal and social reasons. During Holi, instruct your child not to force an unwilling person to celebrate with them.

Also, ask them to avoid spraying watercolours on each other’s faces suddenly. Ensure that your child does not spray colours on wounds and carbuncles. Since water is a scarce resource, teach your child to use it judiciously.

5. 5. Make Sure Your Child Wears Goggles




Eyes are one of the most vital as well as vulnerable organs of our body. Make your child wear goggles to avoid optical injuries while playing Holi.

Swimming goggles are preferable since they are made up of water-resistant materials. This is because some colours, when splashed, can cause eye irritation and in some extreme cases, blindness.

How long does COVID-19 virus live on surfaces? Can coronavirus be transferred via grocery items? Should I wash my vegetables in a soap solution? How often do I disinfect surfaces? Should I sun the grocery items I’ve bought? COVID-19 has changed how we perceive things. For example, a quirky, eye-catching door handle or knocker is now just another often touched surface that must be disinfected on the regular. Mundane chores have now acquired a sense of urgency that belies their innocuous nature.

But we aren’t here to help you ace your household chores with a Stepford wife precision for Instagram-worthy results. We’re here with pointers that we hope will help effectively answer (one of) the most pertinent questions – How do I disinfect/sanitise my home to stay safe? Before we begin here are a few things to take note of -

Keep in mind the following difference:

Cleaning v/s Disinfecting

Cleaning means clearing contaminants from the surface.

Process of disinfecting helps in getting rid of harmful pathogens.

Essentials you’ll need:

Disinfecting wipes, disinfectant sprays, disposable or reusable gloves, detergent, 70% isopropyl alcohol solution, bleach

Frequency

Set up a task-list and prioritise high-touch surfaces such as door knobs, handles, toilets, kitchen countertop, and faucets should be cleaned and disinfected routinely. While COVID-19 transmission occurs mainly through respiratory droplets, surface transmission can also take place. Early evidence suggests that the coronavirus can live on surfaces. Hence, cleaning surfaces or things that you or your family may be touching frequently becomes imperative. A publication by the University of Nevada, Las Vegas mentions, “Coronaviruses are surrounded by a lipid membrane and have a single-stranded RNA genome. This is important because the lipid membrane is very sensitive to soap and the RNA genome is very sensitive to UV light. In general, these are very sensitive microorganisms that don’t survive a long time without a host.” Ergo, frequent disinfection and cleaning goes a long way in keeping the virus at bay.

Here’s how to go about sanitizing your home

Let’s scratch sanitise the surface

As mentioned previously, Table tops, handles, the kitchen slab, children’s toys are all areas that require frequent cleaning. According to the CDC, the above should be cleaned using regular household cleaning agents. You can also use a mixture of soap and water. Remember to wear disposable gloves when you’re on a cleaning spree. If you’re using reusable gloves for cleaning or disinfecting surfaces for the purpose of COVID-19, set them aside and ensure that you don’t use them for any other task. As per UNICEF guidelines, “It’s important not to wipe cleaning solutions off as soon as you have applied it to a surface. Many disinfectant products, such as wipes and sprays, need to stay wet on a surface for several minutes in order to be effective.”

Cleaning electronics

Keyboards, tablets remotes, mobile phones should all be cleaned frequently using alcohol-based wipes, preferably a make with a high percentage of alcohol content. Make sure to read the manufacturer’s directions and recommendations for cleaning all electronic items. You can also use these wipes to clean board games, something everyone in the family must be making frequent use of considering we’re all homebound these days.

Also read: Life after lockdown: 7 mistakes you should avoid to stay safe from COVID-19

Soft surfaces

Curtains, carpets, sofa covers, bed sheets should be cleaned from time-to-time using warm water, appropriate detergent and a disinfectant. If you have a washing machine at home, wash the items in warm water. Read instructions carefully just in case you have items that may shrink. Do not shake dirty laundry and wash your hands thoroughly after handling dirty laundry. Don’t forget to disinfect the laundry basket too from time to time.

Handling and prepping food

There are some activities that we cannot put a full stop to. A grocery run is one of them. Browsing the shelves, an innocuous activity pre-COVID comes with its own set of risks now. You have no way of knowing who and how many have handled a packet that you’re now loading into your shopping cart. Same goes for food that you may be ordering in. So if you’re returning home post a grocery run or receiving a takeout order from the delivery person, first things first – wash your hands with soap for at least 20 seconds. Discard the packet you have received your food in. If you’re using a cloth bag (really you should!) for your errands, put it away for wash. Empty the contents of your takeout into clean utensils. Try and limit your errands; buy enough to at least last you a week or two.

April 7 is observed as World Health Day across the globe. To begin with, one must acknowledge that living healthy isn’t a choice; instead, it is imperative that you do. A few unhealthy habits might be sabotaging your efforts at living a healthy life. Take a look at the following unhealthy habits that you ought to get rid of this World Health Day:

1. Skipping your breakfast

Unhealthy habit #1 is skipping your first meal. When you wake up in the morning, your body needs the correct nutrition to prepare itself for the rest of the day. However, by force of habit, some tend to wake up late for office and make up for the lost time by not eating a full breakfast. Also, one might choose to forego his first meal, thinking it to be a diet hack.

In reality, not eating your breakfast impacts the body in more ways than one. It causes a drop in your blood sugar levels, affects mental health and concentration owing to the lack of energy reserves, and leads you to binge on unhealthy (comfort) foods throughout the day.

Needless to point it out, gorging on junk foods can only add to the extra kilos and visceral fat, thereby making you vulnerable to lifestyle disorders at an increased age.

Health tip: Make sure you eat a wholesome breakfast, comprising the right nutrients and macros. The first meal of the day should not be only protein or carb-heavy; instead, include foods that have adequate proportions of protein, healthy carbs and good fats.

2. Not sipping enough on the wonder liquid

Another unhealthy habit is to skimp on your regular water intake. Multiple studies have linked adequate consumption of water to a sharper memory and focus, more stable mood, and increased energy. Besides, keeping up with the required fluid intake helps your skin stay supple and your body cool faster relative to the ambient temperature; provides muscles and joints increased functionality, and flushes out toxins from the system.

The question is, how much water should you be drinking each day? Experts say that about eight glasses should do the trick (besides the two/three cups of water that you get from foods). However, there isn’t a one-size-fits-all approach. Therefore, the best way to know whether you are hydrated is to check the colour of urine (darker colour can indicate that you aren’t hydrated).

Health tip: You can spread your daily water intake over the day. Begin the morning with two glasses of water, and drink another 6-7 glasses as the day progresses.

3. Eating late into the night

Research reveals that longer the time between two meals (dinner and breakfast), more the time your body gets to process, digest and absorb the nutrients from the food. Also, studies have established a connect between intermittent fasting (marked by spacing out your meals and eating in a shorter window) and healthy weight loss.

Another reason to give up on late night snacking or late dinners is that it often results in indigestion, something that hampers the quality of your sleep. Moreover, chances are you aren’t necessarily opting for the healthier options. Instead, you are likely to reach out for refined snacks and other unhealthy foods that will, in turn, spike the bad cholesterol (LDL) levels and derail all weight loss goals.

Health tip: Make yourself a dinner schedule and stick to it. Ideally, aim to have your last meal of the day at least two hours before bedtime.

4. Living a sedentary lifestyle

In today’s times, most of our work is online. Chances are you are sitting on a chair all day long, glued to your laptop. However, don’t let this professional routine of yours add to the risks of morbidity and mortality.

Break the monotony by indulging in a 30/45-minute workout regularly. Multiple studies have thrown light on the various upsides of physical activity. Not only does exercise help you look and feel great, but it also aligns perfectly well with your weight loss goals, and boosts metabolism and energy levels.

More importantly, regular exercise can significantly add to your life expectancy. An extensive body of work corroborates that physical activity helps to keep the heart healthy, lowers the risks of certain types of cancers and other chronic conditions, regulates blood flow to all parts of the body, and supports blood sugar control.

Health tip: Adults should aim for at least 150 minutes of moderately intense physical activity every week. This can include brisk walking or jogging. Team it with two days of strength training, including lifting weights, and using your body weight as resistance (exercises like pull-ups, push-ups and squats).

5. Not getting adequate snooze hours

Research states that not getting enough shut-eye at night can cloud your thinking and decision-making abilities (you are more likely to make mistakes), affect heart health and jeopardise your immune system. Being sleep-deprived is also linked with a higher risk of developing type 2 diabetes, owing to the release of insulin that results in increased fat storage.

More importantly, lack of quality sleep can make it even more challenging to lose weight. That’s because the two hormones that regulate appetite and satiety – namely ghrelin and leptin -- are adversely affected by insufficient or scanty sleep.

Long hours of work, responsibilities of your family and suffering sleep patterns can all lead to increased stress. Though it is an inescapable part of our daily lives, there are always some things that we can do to counter it. The most basic thing to do is to learn how to relieve stress from our lives. Here are a few ways to relieve stress that can also be followed to get your mental tranquility back.

Snack

For many people, eating seems to be a stress-buster at times when nothing else works. It has been scientifically proven that certain foods actually help reduce stress. Beginning with broccoli that has folic acid for stress reduction to endorphin-producing dark chocolate; from nuts that keep the cortisol levels low to salmon rich in Omega-3 fatty acids that help the brain cells function more collaboratively, are all examples of foods that can help you relax when you feel stressed.

Deep Breathing

When you feel mentally fatigued and there are not many resources at hand, the most effective way to release stress is by using your body’s mechanism to fix itself. Deep breathing or taking long breaths works efficiently to give your mind the much-needed break. When you start breathing deeply, the body directly responds by lowering the blood pressure, releasing the muscle tension and lowering of metabolism, providing a calming effect to the whole body and mind.

Take a Walk

The fact that exercise is good for physical well-being has been long established, but it is also interesting to note that a small amount of exercise can do wonders for your mental health too. In situations where you feel yourself being strained by a certain issue, the best thing to do is to take a walk. According to research, taking regular walks can help to modify your nervous system and control anger and mood swings.

Turn off Your Phone

Smartphones have become an essential part of our lives and help us navigate our daily life better. All these positives don’t take away from the fact that they have also increased the anxiety levels in people. By simply switching off your phone, you can get instant relaxation by escaping the urge to constantly check your phone for work emails or social media updates. Even a few minutes away from the screen can be a great de-stresser.

Take a Nap

The hectic everyday schedules of today’s life seldom leave time for a full night’s sleep. Sleep deprivation can have a major effect on your mental well-being and shoot up stress levels. Although, drastically altering the lifestyle might not be an option, taking a nap definitely is. Research shows that even a half hour nap can reverse the effects of sleep deprivation and help improve productivity and performance.

Health insurance plays an important role in safeguarding finances during medical emergencies. However, while having a health insurance policy is important, it is equally important to understand the claims process and be aware of the common reasons claims may be rejected.

If you hold a family floater plan or an individual health insurance policy, knowing the common reasons for claim rejections can help you avoid unnecessary stress during difficult times.

Can health insurance claims get rejected?

Yes, health insurance claims can be rejected in India. While most insurance companies strive to honour valid claims, there are instances when a claim may be denied. Rejections may occur due to incomplete information, policy exclusions or violation of terms and conditions.

This applies to almost all types of health insurance policy, including individual health insurance and group or family policies. An individual policy offers more personalised benefits, but it requires the policyholder to pay close attention to the fine print and fulfil all requirements accurately.

Common reasons for health insurance claim rejection

Here are some of the most common causes:

• Waiting Period

Waiting period is the most common reason for health insurance claim rejections. Waiting period can be of different types depending on the insurer and policy.

• Incorrect Information

It is probably one of the leading causes for claim rejections. The insurance policy is based on the details that the insured provides at the time of filling the proposal form. If any discrepancy is found or if an ailment is discovered, which was not informed to the insurer earlier, then the claim will be rejected.

• Permanent Exclusions

Every insurance policy has certain permanent exclusions that will not be covered under any circumstances. These can be anything from certain diseases to treatments. Not all policies have the same content in their exclusion list. Therefore, it is advisable to go through the exclusions carefully to avoid unexpected surprises later on.

• Lapsed Policy

It is important to keep a track of your premium payment due date. Paying premium on time is necessary for availing insurance cover. The policy lapses, if the premium is not paid by the due date. Claims filed under a lapsed policy will immediately be rejected, as a lapsed policy is similar to not having a policy at all.

• Delay in Making Claim

When an emergency strikes, even the most composed people lose their wits. At that time, procedures and policies are the last things on a person’s mind. However, insurance policies require the insured to file a claim within 24 hours of hospitalisation. Failure to do so results in the rejection of the claim.

Tips to avoid rejection of health insurance claims

Here are some practical tips:

• Disclose all health details honestly

While buying individual health insurance or any policy, reveal all health conditions honestly. It’s better to pay a slightly higher premium than face a rejected claim later.

• Read the policy document carefully

Understand inclusions, exclusions, waiting periods and coverage limits. Knowing what is covered prevents surprises at the time of claim.

• Choose network hospitals for cashless claims

Before hospitalisation, check whether the hospital is part of your insurer’s network. This simplifies the process and avoids complications.

• Inform the insurer on time

For planned hospitalisations, inform the insurer at least 48 hours in advance. In emergencies, notify within 24 hours.

• Maintain all records

Keep a copy of all medical documents, prescriptions and bills. Submit them as required without delay.

• Renew policies without break

Always renew your policy on time to maintain continuity benefits, especially for pre-existing diseases.

What to do if your health insurance claims get rejected?

If your claim is rejected, don’t panic. Here are the steps to follow:

• Understand the reason

Carefully read the rejection letter or email. Insurers are required to state the reason for denial clearly.

• Check policy terms

Review your policy document and see if the rejection reason is valid under the terms you agreed to.

• Contact customer support

Reach out to the insurance company’s customer care for clarification or to address misunderstandings.

• File a written appeal

If you believe your claim is wrongly rejected, file an appeal with the insurer. Submit additional documents if needed and explain your case clearly.

What to do if your insurance company denies your claim in India?

If your insurer maintains its decision after your appeal, you can escalate the matter further:

• Approach the insurance ombudsman

The Insurance Regulatory and Development Authority of India, or IRDAI, has set up an Ombudsman system to resolve disputes. You may file a complaint online or offline within one year of the rejection.

• File a complaint with IRDAI

If unsatisfied with the Ombudsman’s decision, file a grievance through the IRDAI Grievance Redressal Portal (IGMS).

FAQs

• Can I claim for pre-existing conditions under individual health insurance?

Yes, but only after the specified waiting period, which varies by insurer.

• How long does it take to process a health insurance claim?

Cashless claims are usually settled within a few hours or days, while reimbursement claims may take up to 30 days.

• What documents are required for claim processing?

Common documents include the claim form, hospital discharge summary, bills, prescriptions and diagnostic reports.

• Can I claim for home treatment?

Some insurers cover domiciliary hospitalisation, but only under specific conditions. Check your policy details.

Conclusion

Claim rejections in health insurance can be disappointing, especially during stressful times. However, most rejections happen due to avoidable errors like non-disclosure, missed deadlines or lack of understanding of policy terms. If you have a family health plan or an individual health insurance policy, being informed and proactive is key to ensuring your claim is processed smoothly.

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.

We’ve all heard the popular saying, ‘health is wealth’. From working out in gyms to wellness retreats to maintaining healthy eating habits, staying fit has become a cardinal aim of our life. Improving personal health competence has certainly been a crucial agenda in people’s life, regardless of their age, gender and occupation.

While taking care of your health should be the top priority, it bodes well to stay prepared for the unexpected. And that’s why health advisors always recommend buying a health insurance plan as your second layer of defence. It secures you against the risk of medical emergencies that could drain all your finances in one go and burn a large hole in your pocket.

Apart from covering the rising costs of availing healthcare facilities, health insurance has a host of other benefits. Listed below are some of reasons as to how a health insurance policy facilitates greater savings in times of distress:

Covers your Medical Expenses

When you or your family member needs urgent medical care, the last thing you would want to worry about is the medical costs. One of the biggest advantages of having a health insurance plan is that it covers you against unforeseen medical expenses in the event of an unexpected situation. With the right insurance policy, you don’t have to worry about any medical expenditure, be it post-hospitalization expenses, ambulance charges, doctor’s fees etc.

Hence, by choosing the right blend of features, you can be assured of a 360-degree health protection cover for you and your loved ones. Many insurance companies have started offering riders with the main policy or separate health plans to cover excluded medical conditions such as maternity benefits, personal accident insurance and critical illness cover etc. With these costs covered under your health insurance policy, you need not worry about the finances in case the calamity strikes.

Financial protection against critical illnesses

Almost every health insurer provides coverage against critical illnesses such as cancer, kidney failure, stroke, etc. either with the policy or as an add-on cover that can be added to your health insurance plan. In case you are diagnosed with any of these diseases as mentioned in the predetermined list of your policy, the insurance company will give you a lump sum amount to meet all your treatment costs and tackle other financial obligations.

Selecting the right policy with the right amount of coverage, thereby helps you to prepare for the worst. Rather than waiting for an illness to strike, it’s prudent for you to stay proactive and plan for the future. Additionally, purchasing a policy at a young age will not only give you the benefit of lower premiums but also more comprehensive coverage and hence, facilitate more savings if you’re struck by a malady.

Cashless Mediclaim facility

When you’re undergoing the treatment in a hospital, your family might find it very difficult to arrange immediate cash to pay the hospital bills. To make sure you don’t have to face such a situation, many insurance providers offer cashless Mediclaim facility at network hospitals which means you can get the best possible treatment without worrying about the finances.

All you need to do is fill up the Mediclaim form to get cashless benefits at partner hospitals with the insurance company.

Getting a good sleep every night is vital for your physical and emotional health. Allowing yourself to have proper rest after a hard day’s work rejuvenates your body and enhances your immune system.

Sleep has innumerable benefits and it is essential to sustaining life itself, as most of the repairing your body undergoes is during sleep. Here are five benefits of sleep that may motivate you to get that much-needed full eight hours of rest, in case you neglect your daily quota of complete rest.

Improved Memory

When our body is tired, our brain cannot recall information properly. A lack of sleep affects our memory as our body produces excessive amounts of stress hormones. Elevated stress hormones could adversely affect the vital functions of our body and affect our quality of life.

Regular and deep sleep improves memory by regenerating neurons and improving long term memory formation by organizing the information the brain received throughout the day. Sleep is also known to improve attention span, make a person sharper and improve focus, thus improving overall productivity.

Improved Immune System

Proper sleep improves the immune system and reduces the chances of serious diseases such as diabetes, blood pressure and cardiac issues. Restful sleep induces a state of complete relaxation, which in turn encourages a regulated blood flow throughout the body, thus reducing the chances of risks related to the cardiovascular system. Healthy sleeping habits also lowers the chances of diabetes by regulating body weight.

Emotional Well-Being

Not getting enough sleep can make us feel agitated, irritable and grumpy. A constant state of negative emotions may further lead to depression which can wreck havoc in our personal and professional lives. Enough sleep allows us to be in better control of our emotions, stay calm and reasonable throughout the day no matter what situation we face.

Weather conditions during the winter season affects our mental and emotional health. It’s quite common to feel melancholic, tired and mentally drained during the frigid winter months. After all, it can be tough to stay cheerful with shorter days, longer nights and frosty temperatures. So, we’ve compiled 5 effective ways through which you can combat winter blues and keep yourself happy during the chilly days of the year.

Exercise daily

Your body releases stress-relieving and mood-boosting endorphins during and after a work-out, which is how exercising helps relieve anxiety and depression. It’s even more important to follow your exercise routine during the winter season, not only to release the mental pressure, but also to keep yourself warm and active.

Invest time in activities

Plan more activities that you enjoy to uplift your mood. Prioritize time to do something fun with your friends, children, share light moments with your colleagues or classmates, go for a walk by the sea with your partner, or spend time doing your favorite hobby at least once every day. This will help you keep your mind healthy and will induce positivity.

Nutritious diet

The food you eat directly impacts your body and the brain. Protein-rich food and carbohydrates increase serotonin, dopamine, and tyrosine which keeps you alert and has a calming effect on your mind. Also, having green vegetables and fruits daily supply essential nutrients to your body, and restore structural integrity of the brain cells to keep you in a healthy mindset.

Find new companions

Sometimes one of the best solutions to avoid the loneliness that can surround you in winter is to add another kind of companion to your life. It can be a new friend from social media, or a pet. They can offer unconditional love, comfort and a way to keep you cheerful throughout the day.

Maintain healthy relationships

Relationship problems are a very common cause of emotional distress, especially during the winter months. Statistics have revealed that December and January are the busiest months of the year for lawyers dealing with divorce cases. There can be many stressful factors that can affect your relationship with friends and family, but you can prevent conflict by trying to be kind, and make extra effort to be compassionate.

Talk about your problems

Knowing you’re valued by others and sharing your thoughts helps you think more positively in overcoming the negative aspects of life. When you speak about things that are troubling you, you let the negative emotions out, reducing your stress and anxiety. Holding onto anger and negative feelings can eventually lead to depression and keep you stuck in the past.

Take care of your finances

The uncontrolled spending or increasing financial obligations of you and your family can be another common contributor to your low mood during the winter months. Also, the festive season can create added stress to meet these requirements. You can avoid this source of unhappiness by outlining a strict budget for festive celebrations and making sure you stick to it.

Take adequate sleep

Sleep restores both your mind and body. Hence, it’s important to sleep deeply, and adequately to keep yourself positive, both mentally and physically. More so, during winters when nights are longer than usual, staying up late consistently can have adverse effects on your brain and body. Avoid gadgets and heavy food at night to sleep better, and earlier.

Keeping eyes protected from the strains and stresses of everyday computer usage is of more importance today than ever before

According to a survey conducted in the year 2017, India ranked in the world’s top 5 markets in terms of the time spent on apps on Android phones. Indians spend up to 4 hours of their day on smartphones, which is equivalent to half a work day in many cases. For many, these hours are in addition to at least another 8 hours a day spent on their laptops and computers at work.

Long hours of exposure to the blue light emitted by computer and phone screens can cause a plethora of eye problems; ranging from blurry vision, dryness, eye strain, itchy eyes, headaches to long-term diseases like Computer Vision Syndrome.

A few simple steps taken every day can help protect your eyes and reverse the adverse effects of computers on your eyes.

Anti-glare Glasses

The blue light that is emitted in large amount by computer and phone screens can be harmful to the eyes. When in front of the screen, eyes must be protected by anti-glare glasses. The anti-reflective coating present on the glasses helps to bounce the light off and thus reduce glare and protect eyes.

Take a Break

Taking a break from the screen every 20 minutes is important. It can be done by looking at something at a distance; by rapidly blinking or by taking a walk. Walking around helps with the blood circulation which improves not only eye health but also the health of the entire body.

Better Lighting

When working on a screen, the lighting in the room should be neither too dim nor too bright. Where low lighting can strain your eyes, bright and concentrated lighting can cause glare; both are bad for the eyes. Therefore, opting for diffused lighting keeps eyes healthy and in good working condition.

Proper Distance and Angle

The computer screen must be placed at least at an arm’s length to escape strain and stress to the eyes. Apart from the distance, the angle at which the screen is viewed is of importance as well. By keeping the screen at 20 degrees below the eye level also eases the strain on the eyes.

Health insurance is a critical component of a financial plan especially when healthcare costs are on a rise. In addition, the cost of treatment for major diseases is prohibitive. Sudden hospitalisation expenses can have a weakening impact on a family’s financial condition.

Buying health insurance for yourself, spouse, dependent children, and parents is a protection from heavy financial loss due to hospitalisation of a family member. There is an additional health insurance. The premium amount paid is allowed as deduction from total income for computation of tax payable, which lowers your tax liability.

How to save tax on health insurance premium payment?

You can save tax on health insurance by opting for a comprehensive policy and paying your premium through a non-cash mode. The key strategies to maximise tax savings include:

• Purchasing a medical insurance policy for yourself and your family.
• Paying the premium in full to claim deductions for the entire financial year.
• Opting for a critical illness insurance policy to claim additional tax benefits.
• Ensuring parents above 60 years are covered, as it increases the deduction limit.

What are the tax benefits of health insurance?

Health insurance offers multiple tax benefits, including:

• Deduction under Section 80D for premiums paid on self, family and parents’ insurance.
• Additional tax benefits under Section 80DDB for the treatment of specified critical illnesses.
• Exemptions on medical reimbursements and allowances provided by employers.
• Higher deductions for senior citizen parents.

Health insurance and tax saving: What are the exclusions?

While health insurance provides tax benefits, certain exclusions apply:

• Cash payments made towards insurance premiums are not eligible for deductions.
• Group health insurance provided by an employer is not considered unless the employee pays an additional premium.
• Deduction for critical illness insurance is only applicable under specific conditions.
• Medical expenses reimbursed by an employer cannot be claimed separately under tax deductions.

Health insurance tax deductions under section 80C

Section 80D of the Income Tax Act provides tax benefits on the amount paid as premium for health insurance. The basic condition is that the payment of premium should be made by cheque, electronic funds transfer, or any digital medium. Payment of health insurance premium in cash disqualifies the insured from claiming the tax benefit.

The benefit is available for an individual as well as a Hindu Undivided Family (HUF). Amount paid for the central government’s health scheme also qualifies for tax benefit under Section 80D. The tax benefit is available when health insurance is bought for self, spouse, dependent children, and parents in the case of individuals. For HUF, health insurance purchased for any member can be claimed as deduction from total income for arriving at the tax payable.

Eligibility for income tax deduction u/s 80D of ITA

Under Section 80D, individuals can claim deductions on premiums paid for medical insurance:

• Self, spouse and dependent children: Up to INR 25,000 per year.
• Parents below 60 years: Additional INR 25,000.
• Parents above 60 years: Additional INR 50,000.
• Total deduction: Up to INR 1,00,000 if both the taxpayer and their parents are senior citizens.

Save tax under section 80DDB (Treatment of critical illnesses)

Section 80DDB allows tax deductions on medical expenses for specific critical illnesses, including cancer, kidney failure and neurological diseases. Individuals can claim:

• Up to INR 40,000 for individuals below 60 years.
• Up to INR 1,00,000 for senior citizens.
• Critical illness insurance can help cover treatment costs and offer additional financial security.

Tax planning under section 80DD (Treatment of a dependent with disability)

This section provides tax deductions for individuals caring for a dependent with a disability. The benefits include:

• Up to INR 75,000 for dependents with disabilities (40%–80%).
• Up to INR 1,25,000 for dependents with severe disabilities (>80%).

Save tax through section 80U (Person with disability)

Unlike Section 80DD, which applies to dependents, Section 80U benefits individuals with disabilities. The deductions include:

• INR 75,000 for a person with a disability (40%-80%).
• INR 1,25,000 for severe disability (>80%).

Income tax deduction on medical allowance under section 17

Section 17 of the Income Tax Act allows salaried employees to claim exemptions on medical insurance reimbursements provided by their employers. However, this is subject to certain conditions and does not overlap with other deductions under Sections 80D or 80DDB.

FAQs

1. Can I claim tax benefits if I pay my parents' health insurance premium?

Yes, you can claim a deduction under Section 80D for premiums paid on your parents’ health insurance.

2. Is critical illness insurance covered under tax deductions?

Yes, under Section 80DDB, you can claim tax benefits for expenses incurred on critical illness treatments.

3. Can I claim deductions if I have employer-provided health insurance?

No, unless you pay an additional premium on your own, employer-provided insurance does not qualify for tax deductions.

4. What is the maximum deduction I can claim under Section 80D?

The maximum deduction under Section 80D is INR 1,00,000, provided both the taxpayer and their parents are senior citizens.

5. Is the tax deduction applicable if I pay the premium in cash?

No, only payments made through non-cash modes such as digital transfers or cheques are eligible for tax deductions.

Conclusion

Health insurance is a crucial financial tool that provides medical security and substantial tax savings. By understanding different sections of the Income Tax Act, individuals can maximise their savings while ensuring they and their families are covered. Investing in medical insurance and critical illness insurance not only provides financial protection but also helps in effective tax planning. Ensure you choose the right health insurance policy to make the most of these benefits while securing your health and future.

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.

If used the right way, cloth masks made of cotton can prevent the respiratory droplets from infecting others

With the world in the firm grip of COVID-19, the CDC (Centres for Disease Control and Prevention) announced in the first week of April this year that everybody should ideally wear cloth face masks in public -- particularly in spaces where standing six feet apart from each other isn’t a possibility -- to guard against the raging novel coronavirus.

The leading public health institute has also stated that protective gear shouldn’t be used on toddlers under the age of 2 years and by people suffering from persistent breathing problems. However, the lacuna in the CDC directive is that there is no specific advice on how children should use protective face masks.

What has added to the confusion is that the CDC hasn’t mandated the need to wear masks; it is still left to one’s discretion. In the wake of such ambiguity, it is crucial to know whether your child needs to sport a protective mask or not. This article seeks to clear the air through expert answers and opinions so that you can take an informed decision. Read on:

1. Are COVID-19 symptoms different in children?

No, COVID-19 symptoms displayed by all are identical. However, children afflicted by the novel coronavirus have usually exhibited milder symptoms as compared to adults. While common symptoms include fever, cough and a runny nose, diarrhoea and vomiting have been reported as well.

2. It is not likely that children will be severely affected by the virus. So why do they need to wear a mask?

Basis available evidence, children are relatively less vulnerable to COVID-19 as compared to adults.

That being said, to date, children comprise almost 1-2% of all the cases. The high-risk paediatric population constitute children suffering from underlying conditions like broncho-pulmonary hypoplasia (incomplete lung-development), congenital heart diseases, airway anomalies, and compromised immunity owing to severe malnutrition.

These findings have buttressed the belief among global healthcare ecosystem that children with undetected or mild cases of the disorder might contaminate others in their immediate families and communities. Should a child already have the virus, wearing protective cloth masks can prevent the virus-laden respiratory droplets from landing around others.

Remember that non-medical coverings cannot do much to protect your child. However, if used the right way, they are still better than nothing. While it is true that children have accounted for a small proportion of the detected cases, some of them rank high on severity. Importantly, almost 25% of the cases are asymptomatic – the primary reason why the infection has spread thick and fast.

Also Read - Coronavirus: Myths Vs Facts

3. Should children wear face masks every time while stepping outside?

Note that protective gear is the most useful in spaces where your child will, in all probability, come within six feet of other people. It follows that you should make your child wear a mask every time he/she is heading to the local pharmacy or grocery store with you. Masks also become essential gear in areas that are considered hotspots for the novel coronavirus.

Experts also think it best that children don’t wear masks at home. Should any family member be ill, make sure he/she is maintaining isolation and the other family members are staying six feet apart from him/her.

However, in case your child is under the weather, or you believe he/she could become sick, try not to step out in public. Should you have to visit the doctor, make sure you have a prior appointment scheduled and wear a face mask if you have one.

4. Ok. But how should I ensure that my toddler keeps his mask on at all times?

For anyone with a toddler, this is going to be a real challenge. That’s because some toddlers and pre-schoolers are more likely to wear and keep on a mask more than others.

Start by explaining to your child why it is essential to wear a cloth face mask. Use simple words to drive home the point -- that people can spread the infection without showing any symptom, for instance.

Remember that children learn what they see around them – set an example by wearing protective face masks. It is advised to positively reinforce the child’s behaviour when he/she wears a mask.

You can also fall back on the reward system for faster results. For instance, every time your child wears a mask, give him/her a healthy treat – yoghurt or fruits for instance.

Children, especially those still in the early stages of development, will find it extremely hard to keep a mask on. They are likely to fidget with the gear, pulling it above or below the nose. Therefore, there is a chance that the mask won’t do what it is supposed to do. In all fairness, how your child would eventually cooperate depends on the age and level of maturity.