The spread of coronavirus during the start of 2020 wreaked havoc in the entire world. More than a 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. In fact, India ranked third among the worst affected countries after the USA and Brazil.

When the coronavirus vaccine in India was launched on 16^th 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 much as 2,16,828 new COVID-19 cases were recorded in India on 15^th 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. In this article, we have explained how this second wave of coronavirus in India has been different and more severe than the first wave. Continue reading.

First wave vs Second wave

The surge in COVID-19 cases during the second wave in India has been more rapid than the first wave during August to October last year. The cases rose 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 for the cases to rise from 18,377 to 50,000 during March 2021.

The total number of cases being recorded in a single day was 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 had touched the figure of 4 lakh.

India becomes 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 3 crore COVID-19 cases, which keeps it only behind the USA (3.27 crore cases). India surpassed Brazil in terms of total number of COVID-19 cases only in April 2021 after staying at 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 14^th April stood at 4.22 lakh.

A health insurance policy has become imperative for everyone today. Not only does it provide thorough coverage against the healthcare expenses the policyholder may incur during a medical emergency, but also it allows the insured person to avail free health check-ups and timely treatment for illnesses.

However, you should remember that most health insurance plans come with lots of terms and conditions. You should know these terms and conditions before buying the policy to avoid any rude shocks during the time of claim settlement. One such term associated with health insurance plans is “room rent limit”.

Room rent limit is a common sub-limit found in many Mediclaim policies. Before knowing more about health insurance room rent limit, let us first discuss what room rent is in health insurance.

What is Room Rent in Health Insurance?

When a person gets admitted to a hospital, he/she has to pay daily rent or per day room charges to occupy a room or bed in that hospital. Room rent in health insurance refers to the coverage for these boarding charges or per day room charges that the policyholder may have to pay while he/she remains admitted to a hospital.

Room rent largely depends upon the type of room and hospital a policyholder opts for. For example, room rent for a single or double occupancy room is more than a ward or a multiple-occupancy room. Similarly, room rent for private hospitals is much higher as compared to the same type of rooms at government hospitals.

Understanding Hospital Room Rent Costs in India

Hospital room rent costs in India differ based on the city, type of hospital, and room category. For instance:

• General wards in urban hospitals typically cost ₹1,000–₹2,500 per day.
• Semi-private rooms range from ₹3,000–₹7,000 per day.
• Private rooms can cost ₹5,000–₹15,000 per day.
• Deluxe or suite rooms in high-end hospitals may charge ₹20,000 or more per day.

These costs can quickly add up during extended hospital stays, making it critical to understand how your medical insurance handles room rent.

How is Room Rent Limit Specified in the Health Insurance Policy?

Now that you know about the room rent, it would be fairly easy for you to understand the concept of room rent limit in health insurance. It is the capping or limit imposed on the coverage of room rent of a hospital by a health insurance policy. The room rent limit can either be expressed as an absolute amount or as a fixed percentage of the sum insured.

In other words, the room rent limit in medical insurance policy is the maximum amount of per day room charges a policyholder can claim when he/she gets admitted to a hospital. Any amount above this sub-limit will have to be borne by the policyholder himself/herself.

For example, if your health insurance room rent limit is ₹ 5,000, then the maximum room rent you can claim under the policy is ₹ 5,000. In case the limit is expressed as “2% of the Sum Insured”, and you have chosen ₹ 5 lakhs as the sum insured, your room rent limit will be ₹ 10,000.

Types of Room Rent Limits in Health Insurance Coverage

Room rent limits in health insurance can be classified as follows:

1. Capped Room Rent:

Policies with capped room rent specify a fixed amount or percentage of the sum insured. For example:

• Fixed cap: ₹3,000 per day.
• Percentage cap: 1% of the sum insured per day.

2. Category-based Restrictions:

These policies cover specific room categories, such as semi-private rooms. Choosing a private or deluxe room may result in a higher co-payment by the policyholder.

3. No Room Rent Limit:

Some comprehensive plans do not impose any restrictions on room rent, allowing policyholders to choose any room type.

How Does Room Rent Limit Impact Your Overall Health Insurance Claim?

Room rent limit in health insurance is a very important concept. Your entire claim for health insurance coverage will depend on this room rent limit. Not only does it cap the maximum per day room charges you can claim on a policy, but it also limits other expenditures such as doctor’s fees, treatment costs, etc. Let’s understand this with the help of an example.

Suppose, you purchased a health insurance plan with a Sum Insured of ₹ 5 lakhs where the room rent is 1 percent of the Sum Insured. This means that the actual room rent limit for your policy will be ₹ 5,000. Now, if you get hospitalised and choose a room whose rent is below ₹ 5,000 per day, you will be able to claim for all expenses incurred on hospitalisation, without any deductions.

It means that if you incur ₹ 3 lakhs during the hospitalisation, you will get the entire ₹ 3 lakhs amount from the insurer upon filing a claim.

However, if you choose a room whose rent is more than ₹ 5,000 per day, your claim amount will be deducted in equal proportion by which the room rent exceeds the room rent limit of your policy. It means that if your room rent is ₹ 7,500, then you will get only 5000/7500 i.e. only 67 percent of the total expenses incurred by you during hospitalisation.

It means that if you incur ₹ 3 lakhs during hospitalisation, you will get ₹ 2.01 lakhs only (3,00,000 * 0.67) from the insurance provider. This is because hospitals charge differently for the same services for different room types. It means that the fee for a doctor’s visit in a shared room can be ₹ 1,000, whereas the fee for a visit by the same doctor in a private room can be ₹ 2,000. Hence, insurance companies pay a proportionate claim if the policyholders opt for expensive rooms.

Benefits of Health Insurance Plans Without Room Rent Charge Caps

Choosing medical insurance without room rent limits offers several advantages:

1. Flexibility in Room Selection:
   Policyholders can choose any room type, including private or deluxe rooms, without worrying about additional costs.
2. No Proportionate Deductions:
   Since there’s no cap, there are no proportionate deductions on the overall hospital bill.
3. Comfort and Privacy:
   Patients can opt for more comfortable and private rooms, which can positively impact recovery.
4. Hassle-free Claims:
   With no room rent restrictions, the claim process becomes simpler and less stressful for the policyholder.

While such health insurance plans may come with higher premiums, they offer more benefits and comprehensive coverage, proving useful in times of critical illnesses and hospitalisations. 

FAQs

1. What is the room rent limit in insurance?

The limit on the cost of a hospital room covered by a health insurance policy is called the room rent limit. It can be between 1% to 2% of the total insured amount, but it varies for each insurance provider.

2. What happens if I exceed the room rent limit specified in my policy?

If you choose a room with rent higher than your policy’s cap, the insurer may apply proportionate deductions to the entire bill. Additionally, you’ll need to pay the excess rent out of pocket.

3. Are ICU charges included in the room rent limit?

ICU charges are typically higher and may have separate limits in the policy. It’s essential to read your policy documents for specific details.

4. Can I upgrade my policy to remove the room rent limit?

Yes, most insurers allow policy upgrades to include features like no room rent cap. Contact your insurer for details on premium adjustments.

5. Is it worth paying higher premiums for a policy without a room rent limit?

Policies without room rent limits offer greater flexibility and reduce the risk of out-of-pocket expenses during hospitalisation, making them worth considering for those who prioritise comfort and convenience.

6. Do corporate health insurance plans have room rent limits?

Many corporate health insurance plans impose room rent limits. It’s advisable to review the terms and consider additional personal health insurance if needed.

Conclusion

The concept of room rent limit in health insurance is beneficial only till you are choosing a room whose rent is below the capping. Otherwise, it can significantly affect the claim amount that you will get. Hence, the best option is to go for a Mediclaim policy with no room rent limit. By opting for such a policy, you will be able to avail treatment in the room of your choice, without worrying about the capping.

For instance, you can purchase ICICI Lombard’s Complete Health Insurance Policy which has no capping on room rent. Additionally, this policy is easy to purchase and comes with an option of lifetime renewability.

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.

Time and again, the Government of India has taken steps to ensure optimum care and protection of its citizens. From bringing about developmental and infrastructural changes in the healthcare industry to providing social security through various subsidised health insurance policy schemes, the Indian Government has left no stone unturned in showing concern for its citizens.

Back in the year 2015, the then Finance Minister of India – Late Mr. Arun Jaitley – launched three social security schemes during the Budget Speech. All these schemes were aimed to provide social security to those working in the unorganised sector in India. One of these three schemes was Pradhan Mantri Suraksha Bima Yojana (PMSBY).

Through this article, we have tried to throw some light on the PMSBY scheme and what it is all about. Continue reading to know more.

What is Pradhan Mantri Suraksha Bima Yojana (PMSBY)?

As mentioned above, the Pradhan Mantri Suraksha Bima Yojana (PMSBY) is one of the social security schemes which was launched by the Government of India during the 2015 Budget Speech in the Parliament. The PMSBY scheme is a Government-backed accident insurance scheme which provides protection against accidental death and disability to individuals between 18 to 70 years of age.

This scheme is highly helpful in preparing an individual for unexpected emergencies by providing an accident insurance coverage of up to ₹2 lakhs at a highly affordable premium of ₹20 per annum.

PMSBY scheme details

The primary features of the PMSBY insurance scheme include:

• Coverage for a year and is renewable on annual basis
• Indians as well as NRIs can avail the benefits of this scheme
• Provides coverage of up to ₹2 lakhs against death and full or partial disability caused due to an accident
• The annual cover will remain valid from 1st June till 31st May
• To avail the benefits under this scheme, each member will have to pay an annual premium of ₹20
• Annual premium of ₹20 will be auto-debited from the beneficiary’s bank account

Inclusions & exclusions under the PMSBY scheme

Here is what will be covered and what won’t, under the PMSBY insurance scheme:

• Accidental death of the applicant will be covered by the scheme.
• If the applicant dies by suicide, it won’t be covered by the scheme.
• If the applicant dies because of murder, it will be covered by the scheme.
• Permanent total disability, i.e. loss of both eyes, hands, or feet will be covered.
• Permanent partial disability, i.e. loss of one of the eyes, hands, or legs will also be covered.
• A compensation of ₹2 lakh will be paid in case of accidental death or permanent total disability. Whereas, in case of partial disability, a compensation of ₹1 lakh will be paid.

Benefits of PMSBY

Here are some benefits of the Pradhan Mantri Suraksha Bima Yojana:

• Affordable Premium: Just ₹20 per annum, ensuring cost-effective coverage.
• Financial Security: Helps families cope with financial stress in case of accidents.
• Easy Enrolment: Can be linked to any bank account with minimal paperwork.
• Nationwide Availability: Open to all eligible individuals across India.
• Supplement to Family Health Insurance: Complements existing family health insurance plans by covering accidental risks.

How to apply for PMSBY?

The PMSBY scheme will be administered through public sector general insurance companies and private insurance companies such as ICICI Lombard. You can apply with any of these insurance companies through SMS or Net Banking to become a beneficiary under this scheme.

All you need to do is download the PMSBY form the Government website and approach a bank or insurance company with the duly filled form.

Steps to enrol for PMSBY through SMS

• Step 1 – Send a message on the onboarding organisation’s toll-free number
• Step 2 – You will receive an activation message
• Step 3 – Reply to the activation message with “PMSBY Y”
• Step 4 – You will receive an acknowledgement message
• Step 5 – The bank will process your request as per the information in your savings account

Steps to enrol for PMSBY through Net Banking

• Step 1 – Log in to your net banking account
• Step 2 – Click on “Insurance”
• Step 3 – Select the bank account to be used for premium payment
• Step 4 – Verify the details and click on “Confirm”
• Step 5 – Download and save the acknowledgement receipt for future reference

Documents required under PMSBY Scheme

Give below is a list of documents needed for PMSBY scheme-

• Aadhaar Card (linked to the bank account).
• Bank Account Details (for auto-debit of premium).
• Application Form (available at banks and online portals).
• Nominee Details (to ensure smooth claim settlement).

How to file a claim under PMSBY?

In case of accidental death or disability of the beneficiary, he/she or his/her nominee can file a claim under the PMSBY insurance scheme. Here’s what needs to be done:

• Step 1 – Reach out to the bank or insurance company from where the scheme was purchased.
• Step 2 – Obtain a claim form and fill it. It may ask for your name, address, contact details, and accident details. You can download the PMSBY claim form Jansuraksha
• Step 3 – Submit the duly filled claim form with relevant supporting documents, including the death certificate or disability certificate.
• Step 4 – After verifying the documents submitted by you, the insurer will transfer the claim amount to the specified bank account.
  

FAQs

1. Does PMSBY cover hospitalisation costs for accidents leading to death or disability?

No, PMSBY does not reimburse hospitalisation expenses. The scheme only provides financial assistance in case of accidental death or permanent disability.

2. Who can receive the insurance payout if the insured person passes away?

The nominee mentioned in the enrolment form will receive the insurance amount. If no nominee is registered, the legal heir can apply for the claim.

3. How is the insurance claim amount paid?

For disability claims, the insured person receives the amount in their bank account. In case of death, the payout is transferred to the nominee’s or legal heir’s account.

4. Will the insurance cover apply if the policyholder dies by suicide?

No, PMSBY does not provide benefits in case of suicide.

5. Is a police report necessary to file an insurance claim for an accident?

Yes, for accidents such as road mishaps, drowning, or criminal incidents, an FIR is required. However, in cases like snake bites or falls, hospital records can serve as proof.

6. If a person goes missing, will their family receive the insurance payout?

No, the claim is approved only when death is confirmed with valid documentation proving it was due to an accident.

7. What compensation is given for partial disability?

The scheme only covers complete and irrecoverable loss of sight in one eye or total loss of function in a hand or foot. Partial disabilities that do not meet these criteria are not covered.

8. Can someone claim benefits from multiple banks if they have enrolled in PMSBY through different accounts?

No, even if an individual has registered through multiple banks, they can claim the benefit only once.

9. Is it possible to enrol in PMSBY through multiple bank accounts?

No, a person can enrol only once, even if they hold multiple bank accounts.

10. What is the eligible age range for joining PMSBY?

People aged between 18 to 70 years can enrol in the scheme.

11. How is the insurance premium paid?

The premium is automatically deducted from the insured person’s bank account every year.

12. If I missed enrolling in the first year, can I join later?

Yes, if you didn’t enrol initially, you can join in later by providing consent and ensuring your bank account has sufficient funds for premium deduction.

13. Can someone rejoin the scheme after leaving it?

Yes, individuals who exit the scheme can re-enrol in the following years by paying the premium again.

14. Can PMSBY benefits be claimed along with other insurance policies?

Yes, PMSBY benefits are independent of other insurance plans and can be claimed even if you have additional coverage.

15. Does PMSBY cover accidents due to natural disasters? What about cases of murder or suicide?

Yes, PMSBY covers accidental death or disability caused by natural disasters like floods and earthquakes. It also covers murder cases, but it leaves out suicide cases from ts coverage.

16. Can all members of a joint bank account enrol in PMSBY separately?

Yes, all joint account holders can individually register for the scheme, provided they pay the premium separately.

17. What types of bank accounts qualify for PMSBY enrolment?

Any savings bank account with an auto-debit facility is eligible for enrolment.

18. Can NRIs enrol in PMSBY?

Yes, NRIs can join the scheme, but claims are payable only in Indian currency and will be given to a nominee or legal heir residing in India.

Conclusion

The essence of the PMSBY scheme is to provide social security to the citizens through personal accidental cover at a much lower price than the prevalent market rate. It is a yearly scheme that needs to be renewed every year through auto-debit of the premium amount of ₹20. The policyholder or his/her nominee will get a fixed sum of ₹1 lakh or ₹2 lakhs upon filing a claim. With its affordable premium, easy enrolment and significant benefits, it is a valuable addition to your health insurancepolicy. Enrolling in PMSBY is a simple yet effective step toward securing your family’s financial future against accidental risks.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information. 

Leprosy, also known as Hansen disease, is a bacterial infection affecting a person's skin, nasal lining, and peripheral nerves. This disease has prevailed across the globe but commonly affects the residents of warm tropical and subtropical regions. According to the World Health Organization (WHO), there are around 2,08,000 leprosy patients worldwide, mostly from Asia and Africa.

One of the oldest diseases existing since biblical times, leprosy was always considered a highly infectious and dangerous condition. Till date, many leprosy patients across the world are forced to live in isolation and suffer social stigma. This article will talk about the causes and symptoms of leprosy, its treatment, and eliminate misconceptions surrounding the disease.

What causes leprosy?

Leprosy is caused by Mycobacterium leprae (M. leprae) or Mycobacterium lepromatosis (M. lepromatosis) which affects the skin, eyes, respiratory tract and peripheral nerves of the infected person. Skin lesions appear mainly in the colder areas of the body. The disease can spread through cough or sneeze droplets from an infected person or direct contact with an untreated leprosy patient.

A person with a weaker immunity can get infected with the disease quickly. Children may be more susceptible to this disease than adults.

What are the types of leprosy?

There are several classifications of leprosy. The two main categories are the Ridley-Jopling classification and the World Health Organization (WHO) classification.

Ridley-Jopling classification identifies the following five gradations of the disease:

• Tuberculoid leprosy: Fewer lesions; some are large and numb with nerve enlargement
• Borderline tuberculoid leprosy: More but smaller lesions with more nerve enlargement
• Mid-borderline leprosy: Reddish plaques with moderate numbness and swollen lymph nodes
• Borderline lepromatous leprosy: Many lesions with raised bumps, plaques and more numbness
• Lepromatous leprosy: Several lesions, disfigurement, limb weakness and hair loss

The number of skin lesions defines world Health Organization (WHO) classification:

• The first form is paucibacillary; wherein there are fewer skin lesions with no bacterium seen on the skin smear.
• The second form is multibacillary; wherein there are multiple skin lesions with bacterium seen on the skin smear.

What are the symptoms of leprosy?

Leprosy doesn't show immediate symptoms. The infection gradually develops into the disease, and it may take between one to 20 years for the infected person to show the first signs of leprosy, which include:

• Skin lesions paler than the person's normal skin tone
• Skin lesions with reduced sensation
• Foot ulcers
• Dry and cracked skin
• Muscle weakness
• Numbness in the hands and feet
• Curled fingers
• Facial disfigurement
• Hair loss
• Dry eyes, ulcers and maybe blindness

Diagnosis of leprosy

The doctor will first examine the patient for physical signs of symptoms of leprosy. Based on this, the doctor will conduct a biopsy on a small skin sample. This may be followed by a skin smear test to identify paucibacillary or multibacillary leprosy.

The doctor may also conduct a lepromin skin test to diagnose the type of leprosy further. In this process, the patient is injected with a small dose of inactive leprosy-causing bacterium on the forearm. The skin patch will be observed after a few days. A patient infected with tuberculoid or borderline tuberculoid leprosy will show a reaction to the injection.

Treatment of leprosy

Leprosy can be cured if detected early. In 1995, the World Health Organization (WHO) introduced Multi-drug Therapy (MDT) to combat it. And this treatment is available for free across the world. Depending on the type of leprosy, the doctor may prescribe treatment for six months or longer, in case of severe leprosy. A combination of the following antibiotics is used for leprosy treatment:

• Dapsone (Aczone)
• Minocycline (Minocin)
• Ofloxacin (Ocuflux)
• Rifampin (Rifadin)
• Clofazimine (Lamprene)

For nerve damage, the doctor may prescribe anti-inflammatory medication such as prednisone (Rayos), aspirin (Bayer), or thalidomide (Thalomid). However, since thalidomide leads to a congenital disability, it should be avoided by pregnant women or women who plan to have a child soon.

Breaking the stigma

For decades, leprosy has been considered a highly contagious disease and the patients are banned from society. Many are denied employment opportunities and thus lead a life in financial struggles and emotional turmoil. The social stigma associated with the disease prevents patients from getting treatment at the right time.

In 1954, French humanitarian Raoul Follereau started the World Leprosy Day to honour Mahatma Gandhi's compassion towards leprosy patients. Across the world, the last Sunday of every January is observed as the World Leprosy Day to create awareness of leprosy. Besides, WHO has been working towards public awareness about leprosy and removing this social stigma.

However, leprosy is not highly contagious. The disease is transmitted through direct physical contact with an infected person. Sitting next to an infected person or shaking hands doesn't spread the disease. Also, the condition isn't transmitted from pregnant lady to her unborn child. Contrary to the misconception, animals like armadillos, chimpanzees and mangabey monkeys may rarely transmit the bacteria to humans.

As per the Census 2011, over 26.8 million Indians, about 2.21% of the population, were living with some form of disability. While more than a decade has passed, access to inclusive and affordable healthcare continues to be a significant challenge for many.

To address this, the Government of India introduced specialised health insurance schemes like Niramaya and Swavlamban, designed to cover therapies, hospitalisation and even pre-existing conditions. In this article, we explain how these policies work, who is eligible and how to choose the right plan for long-term wellbeing and dignity.

What is a disability?

A disability is any physical, mental, sensory or intellectual condition that limits a person’s ability to perform daily activities or interact with their environment. It can start at birth or happen later due to illness, accident or old age.

Categorisation of disabilities in health insurance

Here’s a quick look at the main types:

• Physical disabilities: Covers conditions like paralysis, limb loss, cerebral palsy, muscular dystrophy and spinal injuries.
• Intellectual disabilities: Covers disorders such as autism, down syndrome and intellectual developmental disorder (IDD).
• Sensory disabilities: Refers to partial or complete loss of vision or hearing.
• Mental illness: Covers psychiatric conditions like schizophrenia, bipolar disorder and severe depression, as per the Mental Healthcare Act, 2017.
• Multiple disabilities: Refers to a combination of two or more of the above categories, often requiring special support.

Important factors to consider while buying health insurance for disabled individuals

When choosing a health insurance policy for differently-abled individuals, it’s essential to ensure the plan covers the specific type of disability, whether physical, intellectual or mental. Check if pre-existing conditions are included and be aware of any waiting periods.

Opt for plans that offer therapy or rehabilitation benefits such as physiotherapy or occupational therapy. Review exclusions and ensure the policy has lifetime renewability. A simple and efficient claim process with good customer support is also important.

Finally, weigh premium costs against the benefits offered and explore eligibility for government-backed schemes like Niramaya or Ayushman Bharat for additional support.

Health plans for the disabled by the Government

Here are some key government-backed health insurance schemes for individuals with disabilities:

• Health insurance schemes

If you or your family member suffers from a disability, the medical condition does not necessarily need to be an impediment towards obtaining a health insurance policy. The Niramaya and the Swavlamban Health insurance schemes are here to ameliorate your burden to a great extent. Read on to find out what the schemes are about.

• Niramaya health insurance scheme

The Niramaya health insurance plan has been introduced by the National Trust to help persons afflicted by diseases such as autism, mental retardation, cerebral palsy, multiple sclerosis and related illnesses. The application fee for the Niramaya health insurance scheme is ₹250.

• Swavlamban health insurance plan

This plan is a group mediclaim policy meant for differently-abled persons. The objective of the health insurance plan is to provide affordable plans to persons suffering from blindness, hearing disability, loss of motor functions, mental disabilities, leprosy and related severe illnesses.

Eligibility criteria for this health insurance policy

To be eligible for health insurance, the applicant must be an Indian resident, typically between 18-65 years of age (age limits may vary by insurer).

A valid disability certificate issued by a government authority is required, and insurers may also request recent medical reports. Coverage depends on the type and severity of the disability, as defined under the Rights of Persons with Disabilities (RPwD) Act, 2016.

Some plans offer a family floater option, allowing parents or guardians to include differently-abled dependents.

How to find the right health policy for a disabled person?

To choose the right health policy for a disabled individual, start by identifying the type of disability, whether physical, mental, sensory or intellectual, as this affects coverage options.

Look for inclusive insurers that assess applications individually rather than rejecting them outright due to disability. Compare plans online or through agents to find policies with suitable benefits, including mental health coverage if needed.

Finally, review the waiting periods and exclusions to understand when coverage begins and what conditions may not be included.

Government benefits for the disabled people in India

Here are some key benefits provided by the Indian government to support persons with disabilities:

• Monthly disability pension: Financial assistance under state and central schemes like the Indira Gandhi National Disability Pension Scheme (IGNDPS).
• Niramaya health insurance scheme: Free or low-cost health insurance for individuals with autism, cerebral palsy and other developmental disabilities.
• Income tax benefits: Tax deductions under Sections 80U and 80DD for disabled individuals and their caregivers.
• Railway and air travel concessions: Discounted fares for train and air travel, along with wheelchair assistance.
• Reservation in jobs and education: Reserved seats in government jobs, schools and colleges under the Rights of Persons with Disabilities Act, 2016.
• Subsidy on aids and appliances: Free or discounted assistive devices like wheelchairs, hearing aids and prosthetics through the ADIP scheme.
• Scholarships for students with disabilities: Financial aid for disabled students to pursue school and higher education.

Conclusion

Health insurance for differently-abled and mentally challenged individuals is a vital step toward equality and better healthcare access. Combining it with a health insurance plan provides wider protection against major health issues. With proper research and support, individuals and families can now find plans that meet their medical needs and financial situation.

While you take steps to support your loved one's health, let us help you choose the right plan. Fill out the form on this page to get expert advice and find the best policy for your needs.

FAQ

• Can disabled individuals avail free health insurance?

Yes, schemes like the Niramaya Health Insurance offer free or low-cost coverage for certain disabilities.

• Do persons with disabilities get any tax benefits?

Yes, disabled individuals and their family members can claim tax deductions under Sections 80U and 80DD of the Income Tax Act.

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.

The COVID-19 pandemic has made the entire world realise that medical exigencies can arrive anytime and cause a substantial financial setback that is often tough to handle. The continually rising medical inflation in our country and skyrocketing costs of availing healthcare facilities means that a single instance of hospitalisation can burn a large hole in your pocket and ruin your entire financial planning.

However, you can prevent all this by investing in a reliable health insurance policy. In case of a medical emergency, it would cover most of the healthcare expenses you may incur, including hospital room rent, doctor's consultation fees, costs towards diagnostic tests, medicines, ambulance charges, and even post hospitalisation expenses to a certain extent.

Though there is no shortage of health insurance offerings in India from different insurance providers, one plan stands out in the market - Family Health Insurance. True to its name, it can be the complete solution for yourself and your family members' health insurance requirements. Read on to know more about some significant features and benefits of this plan.

What is ICICI Lombard Complete Health Insurance Plan?

The Complete Health Insurance Plan by ICICI Lombard is a comprehensive medical insurance policy that can secure you and your entire family against unforeseen healthcare expenses. You can either purchase this plan only for yourself or include your family members under the family floater option. This plan comes with an option of lifelong renewability, and you can add your spouse, kids and parents under the floater benefit.

You will also have the flexibility to optimise the coverage based on your precise healthcare needs by selecting add-ons such as maternity cover, OPD cover, critical illness cover, donor expenses cover, etc.

Some other noteworthy features of this plan include:

When you get hospitalised, you must pay room rent for staying in the hospital room with all medical facilities. Room rent of a private hospital can quickly run into several thousand rupees for each day. Standard health insurance plans usually put a cap on the coverage of room rent. In case your hospital's room rent is above that capping, you will have to pay the difference out of your pocket.

However, with ICICI Lombard Complete Health Insurance Policy, there will be no capping or limit on hospital room rent. It means that in case of sudden hospitalisation, you can choose to stay in the room of your choice and avail the best possible treatment without worrying about the finances.

Under the co-pay clause of a health insurance policy, the insured person or policyholder is liable to bear a particular portion of the medical expenses incurred by him/her during a medical emergency. Usually, health insurance plans come with a co-pay clause, and the co-pay percentage is fixed at the time of policy inception.

However, ICICI Lombard Complete Health Insurance Plan comes with zero or no co-pay clause. It means that in case of a medical emergency, the entire expenses incurred by the policyholder will be borne by the insurance company (except for non-medical costs).

Many health policies exclude pre-existing diseases from the ambit of their coverage. However, ICICI Lombard Complete Health Insurance Plan covers pre-existing conditions, albeit after a waiting period of two years. By choosing a sum insured of ₹3 lakhs or more, you will be able to get the coverage for your pre-existing diseases after two years of continuous coverage under the policy.

Tips to Boost Your Oxygen Saturation Level at Home

Until the dreaded COVID-19 entered our lives, we did not pay much attention to blood oxygen level/saturation. In fact, many of us were also not aware of what the normal oxygen level is and what to do if oxygen dropped below normal. Let's understand what oxygen saturation means and how to improve blood oxygen levels naturally at home.

What does blood oxygen level mean?

Blood oxygen level, also known as oxygen saturation or SpO2 refers to the amount of oxygen present in your blood. When we breathe in oxygen, it enters the bloodstream through our lungs and then goes to all the cells for the proper functioning of our body. SpO2 indicates whether our body is getting the right amount of oxygen. The normal blood oxygen level ranges between 95% and 100%. If the level goes below 90%, it is a concern and needs immediate medical attention.

When to get your blood oxygen level tested?

If you experience or have any of the following symptoms, it's crucial to get your blood oxygen level tested -

• Rapid breathing or shortness of breath
• Chronic cough or wheezing
• Chest pain or discomfort due to any underlying heart or lung conditions that might affect oxygen levels.
• Multiple episodes of nausea and vomiting
• Chronic fatigue, dizziness, or weakness

It's also advisable for people who have asthma, COPD, cystic fibrosis, sleep apnoea, or heart disease to monitor their oxygen levels regularly.

Tips to improve your blood oxygen level at home

Some tips to improve blood oxygen level naturally at home include -

1. Practice breathing exercises

Your breathing pattern can have a vast effect on your blood's oxygen saturation level. By changing your breathing style, you can provide a significant boost to your blood's SpO2 level. Recently, doctors and scientists have discovered that those who breathe using their upper chest and inhale less air experience reduced oxygen levels in their bodies.

Therefore, the correct breathing method involves slow and deep inhaling, using your diaphragm and not your chest. This will allow you to inhale as much air as possible, and hence, your body will be able to get more oxygen. Also, it's better to breathe from your nose rather than the mouth.

Simple breathing exercises such as pursed-lip breathing and diaphragmatic breathing can help open your airways and increase oxygen intake. These exercises will help improve the lung capacity.

2. Drinking Lots of Water & Fluids

Keeping yourself hydrated is another important method to improve your blood's oxygen saturation level. When you drink lots of water, your lungs remain properly hydrated, which improves their ability to oxygenate and expel carbon dioxide. Therefore, the oxygen saturation level of your body gets improved.

Also, drinking 2-3 litres of water may improve your blood's oxygen saturation level by up to 5 per cent. Drinking lots of water also helps in regulating body temperature and boosting the immunity of your body.

3. Quit smoking

Lungs get damaged with smoking; hence the ability of the lungs to absorb oxygen efficiently decreases. Passive smoking or getting exposed to second-hand smoke, pollutants, and toxic gases are also harmful to the lungs.

4. Grow Houseplants

Houseplants, like spider plants and peace lilies, help to purify the air indoors and improve air quality.

5. Breathing in fresh air

One of the best and simplest ways to improve your oxygen level is by breathing in fresh air. Open your windows or go out for a walk and feel the difference when fresh air enters your lungs.

6. Prone Exercise

Proning is the best position to increase the oxygen level of your body. It is scientifically proven and recommended by most doctors as well as the Health Ministry of India. In this method, the person has to lie down on his/her belly with his/her chest raised using the support of pillows. You can place one pillow beneath your neck and two pillows beneath your shins and lie down on your stomach or belly.

You can also lie on your right or left side or sit at a 90-degree angle in the "fowler" position and practice rapid breathing. When you notice a drop in your SpO2 level, we recommend remaining in the prone position for at least two to three hours. This will improve ventilation in your lungs, and hence, your oxygen saturation level should begin improving.

7. Include more antioxidants in your diet

Antioxidants allow your body to use oxygen more efficiently, thereby helping your blood's oxygen saturation level. Hence, you can include more antioxidants such as blueberries, cranberries, strawberries, blackberries, kidney beans, plums, and artichoke hearts in your daily diet to maintain your SpO2 level.

You can also consider having foods rich in fatty acids and Vitamin F. These foods work to increase the capacity of the haemoglobin in your bloodstream to carry oxygen. Iron-rich foods such as green vegetables, apples, legumes, fish, poultry etc. also help by strengthening the red blood cells of your body.

What to do if your Blood Oxygen Level is Low?

If your blood oxygen level is below 90%, it is considered low. Here are some ways to improve it naturally -

• Practice deep breathing exercises.
• Get fresh air by keeping your windows open or going outside. Avoid pollution.
• Stay hydrated by drinking 2-3 litres of water every day.
• Maintain a healthy diet rich in iron and antioxidants.
• Manage stress and anxiety.
• Quit smoking.
• Keep yourself active by engaging in regular physical activity.

However, if the oxygen levels don't improve, you must seek medical attention.

Conclusion

Learning how to maintain your blood oxygen saturation at home is essential. In case your SpO2 level drops down severely, get immediate medical help. However, you can avoid hospitalisation if your symptoms are mild and your doctor does not recommend getting admitted.

FAQs

1. What is the fastest way to increase oxygen saturation?

Lying in the prone position is one of the fastest ways to increase oxygen saturation. Practising breathing exercises regularly will also help to maintain your blood oxygen levels.  You have to focus on taking deep breaths for some time or till your breathing becomes normal and easier. It’s important to be aware of the simple breathing exercises to improve lung capacity.

2. What can I drink to increase my oxygen level?

Drinking lots of water (i.e., 2-3 litres a day) will keep your lungs properly hydrated and improve your ability to take in oxygen. It may improve your oxygen saturation level by up to 5%. There is no particular drink to increase oxygen level.

3. Which food gives more oxygen?

Foods rich in iron, nitrate, and antioxidants give more oxygen. Some superfoods you must incorporate into your diet to increase blood oxygen levels are leafy greens, fatty fish, beetroots, berries, citrus fruits, avocados, nuts, and seeds.

Health insurance is one of the most important investments you can make to protect yourself and your family. It helps cover medical expenses in case of illness, accidents or hospitalisation, easing the financial burden during health emergencies. However, choosing the right health insurance plan can be overwhelming, especially if it’s your first time.

Understanding what a health insurance policy includes and what factors to consider before buying one can help you make an informed decision.

What is a health insurance plan?

A health insurance is a type of agreement between you and an insurance company. You will pay a monthly or annual fee, called a premium and in return, the insurance company helps pay for your medical expenses. Doctor visits, hospital stays, operations, medications and even preventive care like checkups and immunisations are included in health insurance.

While some provide a broader range of treatments, such as dental, eye and maternity support, others only cover basic hospital care. Some plans cover only individuals, while others are made for families.

Which things to consider before buying health insurance?

Here are a few things to keep in mind when buying health insurance:

• Medical needs

Think about your current health, any ongoing medical conditions and your age. If you visit doctors often or take regular medication, you may need a plan with better coverage.

• Coverage benefits

Health insurance plans list what they cover, so check for key benefits like doctor visits, hospital stays, emergencies, surgeries, medicines, maternity, mental health and preventive care like vaccinations.

• Network hospitals and clinics

Many health insurance plans work with a group of hospitals or clinics. These are called network hospitals. If you use one of these hospitals, your insurance provider usually settles the bill directly with them. This is called cashless treatment.

• Premium cost vs benefits

The cheapest plan isn’t always the best. Low-cost plans might have limited benefits or high out-of-pocket costs. Compare the premium (the amount you pay monthly or yearly) with what the plan offers.

• Claim process

The easier it is to make a claim, the better. It’s important to understand how claims are handled for the plan you’re considering. A good plan will offer round-the-clock customer support and a simple, online claim process.

• Renewability and lifetime cover

Choose a plan that can be renewed for life. Some plans stop at a certain age, like 65 or 70. It’s better to go for one that covers you for as long as you need it.

How to buy health insurance online?

Buying health insurance online has become easy and quick. You can compare plans, check prices and complete the process without leaving your home.

Here’s how to do it:

Step 1: Compare different plans

Visit trusted websites that allow you to compare multiple health insurance plans side by side. Look at coverage, premiums, exclusions and customer reviews. Use filters based on your needs, such as individual, family cover, critical illness insurance, age and location.

Step 2: Understand the details

Before selecting a health insurance plan, carefully review the policy details. Check inclusions, exclusions, waiting periods, network hospitals, claim process, renewal terms and customer support to ensure it meets your needs.

Step 3: Fill in the application form

Once you've selected a plan, you'll need to complete an application form with personal details, health history and any information about pre-existing medical conditions.

Step 4: Pay the premium

After filling in the form, you’ll need to pay the premium using a debit card, credit card or internet banking. Some companies may offer discounts if you pay the full year’s premium in advance.

Step 5: Receive your policy

Once payment is complete and your application is approved, you’ll receive the policy documents by email or post. Keep these safe and read them again to understand your rights and responsibilities.

Conclusion

Health insurance gives peace of mind by helping you manage medical costs. Before buying a policy, make sure you understand your needs, check what’s covered, compare plans and know how the claims process works.

Choosing the right plan is not just about price but about getting the protection and care you need, when you need it. If you're not sure where to start, we’re here to help. You can get simple, personalised health insurance advice by filling out the form on this page. Let us guide you in finding the best plan for you and your family.

FAQs

Q.1 Is health insurance only for serious illnesses?

Ans. No. Many health insurance plans also cover regular doctor visits, check-ups, vaccinations and preventive care.

Q.2 Can I buy health insurance for my whole family?

Ans. Many companies offer family health insurance plans that cover you, your spouse and children under one policy.

Q.3 What happens if I don't disclose a pre-existing condition?

If you hide your medical history, your claim may be rejected later. Always be honest when applying.

Q.4 Can I change my health insurance policy later?

Ans. Yes, you can switch plans or companies during the renewal period. Just check the rules and whether the new plan offers better benefits.

By taking good care of your health and body, you can avoid serious ailments during the winters

It's that time of the year when you sip hot cups of coffee or ginger tea while enjoying the foggy mornings and chilly evenings. While you look forward to being bundled up in your favourite winter outfits and relishing cosy nights under the blanket, you cannot ignore the fact that this season has a downside to it as well.

If you fail to take proper care of your health and body, you can end up with severe ailments during the frigid winter months. A sudden drop in temperature can cause significant health issues such as bronchitis, pneumonia etc. What seems like a common cold or flu, in the beginning, can progress into a more severe illness if not taken care of properly.

Read on to know about a few common winter ailments, their symptoms and prevention tips.

Common cold

This is one of the most common winter diseases, and most of us often ignore it, thinking it's due to the changing season. Though we are right to an extent, if this common cold or viral infection doesn't subside in two to four days, we need immediate medical help. Common cold can affect anyone, but children and senior citizens are more vulnerable to severe disease symptoms.

The common cold symptoms include headache, sore throat, runny nose, sneezing, and coughing. However, if the condition worsens, you may also experience high fever, chest congestion and breathing difficulties.

• Drink plenty of water and other fluids
• Get adequate rest and sleep
• Wash your hands frequently to avoid infection
• Avoid outside food as much as possible
• Wear multiple layers of clothing
• Gargle with hot water or inhale steam

Flu

Flu is often mistaken for the common cold by most people. However, that may not be the case every time. Flu, also known as influenza, is an infectious health disease that mainly affects the infected person's respiratory tract. The leading cause of flu is the contamination of the body with the influenza virus. It can last from 2 to 7 days, depending upon the severity.

Most of the symptoms of flu are similar to that of the common cold. A person suffering from flu may experience mild to high fever, sore throat, body ache, headache, nasal congestion, runny nose, cough, and cold. In some cases, patients may also experience pain in their ears and redness or itchiness in their eyes.

• Cover your nose and mouth while sneezing or coughing
• Maintain a safe distance from people showing flu symptoms
• Wash your hands frequently
• Maintain respiratory hygiene
• Exercise daily and consume immunity-boosting food

Bronchitis

Bronchitis is an infection in the person's respiratory tract, caused by Respiratory Syncytial Virus (RSV). Children or toddlers below the age of two and people with weak immunity are mainly affected by this disease. Bronchitis causes inflammation of the small airways in the lungs, causing breathing difficulties. If the symptoms persist for more than ten days, medical intervention is required.

As mentioned above, the person suffering from bronchitis experience difficulty breathing due to the inflammation of airway passage in the lungs. Other symptoms of bronchitis include mild fever, wheezing, coughing, nasal congestion and dehydration.

• Get adequate rest and sleep
• Drink lots of fluids to keep yourself hydrated
• Wash your hands frequently
• Avoid smoking and exposure to smoke, firecrackers etc.

Pneumonia

Pneumonia is another common lung disease which can occur during the winter season. Unlike other winter diseases, pneumonia is caused by a bacterial infection. You can usually treat it at home, but hospitalisation is necessary if symptoms get severe. Pneumonia can prove to be a life-threatening disease for children below five years of age and senior citizens.

A person suffering from pneumonia experiences constant cold and high fever for several days. Other pneumonia symptoms include excessive coughing, difficulty in breathing, chest pain, fatigue, loss of appetite, heavy sweating, and shortness of breath. Though pneumonia symptoms can vanish in one or two weeks, weakness and fatigue can last for a month or so.

• Wash your hands frequently
• Eat lots of fruits and leafy vegetables
• Avoid smoking and exposure to smoke
• Exercise daily to boost your immunity
• Visit your physician if the symptoms persist

Norovirus

Among the several bottlenecks that have slowed the adoption of health insurance, complexity of products deserves a special mention. This is because the common man, more often than not, is not aware of the jargons used in health insurance or understands their implications in the working of a plan.

To bridge this knowledge gap, the Insurance Regulatory and Development Authority (IRDAI) has issued a fresh instruction to insurers, asking them to colour code policies based on their level of complexity. The diktat is aimed to aid consumers to know how easy or difficult it is to understand the policy.

What is the Colour Code?

The colour code of health insurance plans will be akin to traffic signals – red, orange and green. While a green colour implies that the policy is easy to understand, orange represents moderate complexity. Red, on the other hand, reflects that the policy is complex. The colours are based on a score ranging from 0 to 6.

Health insurance plans with a score of 2 or less will have green colour, while those having a score of more than 2 but less than 4 will be coloured orange. A health insurance policy with a score of more than 4 and up to 6 will be red.

How do Insurers Calculate the Score?

To calculate the score, insurers take into account seven parameters:

• Number of optional covers
• Waiting period
• Percentage of co-pay
• Number of treatments where sub-limits are applicable
• Simplicity of terms
• Deductibles
• Number of permanent exclusions

All the seven parameters mentioned above would get an equal weightage of 14.28%.

Score for Optional Cover and Co-pay

A score of 0.6 would be allocated to one optional cover. So, if a health insurance policy has 6 optional covers, this parameter would get a score of 3.6. For co-pay, which represents the percentage of payment that the policyholder has to pay from his pocket, a score of 0.3 is given for every 1% rise in co-payment beyond 5%.

Score for Waiting Period

Every one-month waiting period would get a score of 0.15%. So, if the maximum waiting period is 24 months, then the score on this parameter would be 3.6. Waiting period refers to the time where the insurer doesn’t entertain claims for pre-existing ailments.

Sub-limit Score

When it comes to sub-limit, a score of 0.6 is allotted for every disease under sub-limit. So, in case a health insurance policy has 8 diseases under sub-limit, then the score allotted for this parameter would be 4.8.

Scores for Deductibles and Permanent Exclusions

For deductibles, which is the amount a policyholder needs to pay before the insurer starts paying, a score of 0.3 is given for every 1% of deductible in a policy. Hence, if a health plan has a 5% deductible, this parameter's score would be 1.5.

A score of 0.6 is given for every permanent exclusion. Therefore, if a policy has 10 exclusions, the score for this parameter would be 6.

For the final of the score towards a policy, the weighted average score of all the seven parameters would be added.

The insurance regulator has also said that health insurance companies need to indicate the colour code on their websites for products they are selling and do the same while advertising so that customers can make an informed choice.

A comprehensive health insurance plan will help cover your parents’ medical expenses as they age.

As your parents grow older, they become more prone to illnesses and infections, and hence health insurance becomes a necessity.

Your parents strive hard throughout their lives to provide a comfortable lifestyle and quality education to you. However, in their quest to provide for the family, they may end up ignoring their own needs. As a result, they may be left with minimal savings during the golden years of their lives.

Therefore, as a responsible son/daughter, it becomes your duty to purchase a reliable health insurance policy for your parents. Many insurance companies in India offer dedicated health insurance plans for senior citizens, keeping in mind the unique medical needs of older people.

So, if you haven't yet purchased health insurance for your parents, you should do so without any delay. Let's have a look at some of the benefits of procuring health insurance for parents.

Tackle the increasing healthcare costs

As the medical inflation rate goes up globally, healthcare costs are rising every year in India too. It means that in case your mother or father falls ill in the near future, you may incur greater expenses for their treatment that what you would assume as per today's treatment rates.

However, a health insurance policy for your parents may help you tackle these costs. It typically covers healthcare expenses such as hospital room-rent, doctor's consultation fees, costs for buying medicines and other medical supplies, ambulance charges, etc.

Medical coverage for elderly people

Most standard health insurance policies provide medical coverage for people only up to the age of 65. It means that after this age, your elderly parents may be left without any medical coverage, which can be very risky.

By buying a senior citizen health insurance policy, which offers coverage for senior citizens even after the age of 65, you can ensure optimal health coverage for your elderly parents. Some insurers even provide health insurance for senior citizens with an option of lifetime renewability.

A high sum insured

The healthcare needs of your parents might be very different from yours. They usually require some extra medical care since their bodies are more prone to infections and illnesses. Therefore, a sum insured sufficient for younger people might not be enough for their older counterparts.

A senior citizen health insurance policy generally comes with a high sum insured, keeping in mind the additional healthcare needs of older adults. It allows the policyholders to get coverage of up to ₹25 to 30 lakhs. Some insurers even allow their customers to top-up their sum insured to ensure adequate coverage all the time.

You must take your family size into consideration, to get a health insurance plan that suits best.

Hectic professional schedules, lifestyle, pollution and accidents are few of the several grim factors that can affect your family's health. The continually rising medical inflation and skyrocketing healthcare prices have made health insurance a must-have for everyone.

Family health insurance plans protect you from high medical expenses you may incur due to unforeseen hospitalisation of any of your covered family members. Such plans typically take care of hospital bills during medical emergencies or planned medical procedures.

However, before buying a health insurance plan for your family, you must know the impact of a family's size on the cost of the medical insurance policy. Although a larger family size may escalate the health insurance cost, it does not necessarily mean you will spend more to secure your loved ones.

How to secure your family's health

Below are the ways through which you can get your family's health secured:

The first option is to buy separate individual health plans for different family members. Below are the features of such plans:

• The medical coverage is steady and well-defined. It will not be affected by the claims made by other family members.
• Coverage is based on the age, health and habits of each member of the family.
• You can avail medical coverage for anyone in your family with individual policies.

However, having a separate health insurance plan for each family member can break your bank. Here, your family size directly impacts the premium amount as the number of policies you need to buy increase.

The other and more prudent option is to buy a family floater plan for your entire family. Below are the features of a family floater plan:

• The medical coverage of other members can change in a particular policy term if one member claims expenses.
• Children above a certain age cannot be included in family floater plans.
• The premium is based on all the members covered in the plan.
• New members can be added to a floater plan with at the time of renewal.

Impact of family size on the cost of health insurance

Larger family size does not necessarily mean higher medical expenses. A family of six people may incur lesser medical costs than a family of two, depending on the individual's current health condition. It means a healthy family of six people may utilise its health insurance only once during a year, whereas, a family of two people with existing health issues may need to use their health insurance multiple times.

However, the size of a family does indeed impact its health insurance premium. The cost of a family health insurance policy goes up every time a new member is added.

For a better understanding of how family health insurance works, let's study an example.

Mr X wants to take a health insurance policy that gives coverage to himself, his spouse and two minor children. He gets an insurance coverage of ₹50 lakhs for the four family members combined. The insurance premium is based on Mr X's age since he is the oldest member of his family. It also factors in the other three members he is adding to the plan.

Suppose, during a policy term, Mr X's wife requires a gall bladder stone removal. She utilises the family medical insurance policy, and the insurance company pays the bill of ₹3 lakhs for it. For the rest of that particular policy term, all Mr X's family members will be eligible for medical claims of up to Rs. 47 lakhs.

During the same policy term, say Mr X experiences a cardiac event and has to undergo an operation. The insurance company pays the hospital bill of Rs. 7 lakhs for it. So, for the rest of that particular policy term, Mr X's entire family remains eligible for medical claims up to ₹40 lakh.

In this way, the remaining sum insured continues for the family on floater basis.

India has started its COVID-19 vaccination drive on 16th January, with healthcare workers getting the first jabs.

2021 started on a promising note with the Drugs Controller General of India (DCGI) approving two vaccines for coronavirus for restricted emergency use. This news brought a sigh of relief, given the virus's toll on all of us last year. With India starting one of the biggest vaccination drives globally, here are some of the finer aspects that you should know.

Who Will Get Priority in the COVID-19 Vaccination Drive?

Given our country's vast population, administering the Covid vaccine to all is undoubtedly a challenging task. However, the Government had set its priorities as per the following vaccination sequence:

As per the National Expert Group for Vaccine Administration on COVID-19, public and private healthcare workers will get the vaccine first. These workers have been further divided into several sub-categories such as frontline healthcare workers, nurses and supervisors, support staff, paramedical staff, medical officers and students.

The Government has collected and fed data on all these workers on its CoWIN platform, which it seeks to scale up in the coronavirus vaccination drive.

Next in the vaccination line come the workers associated with armed forces, state and central police department, municipal workers, revenue officials, home guards, disaster management, and prison staff. Note that all these officials are associated with the containment of COVID-19 and its surveillance.

Vaccine for coronavirus will also be administered to workers associated with ministries of home, defence, housing and urban affairs.

Population Above 50 Years

Next in the line for COVID-19 vaccination comes people above 50 years of age. This group has also been sub-divided into two categories – above 50 and 50-60 years. The Government will use electoral rolls for identifying people in this age group.

High COVID-19 Infection Areas

States and union territories will have the flexibility to administer vaccines among identified priority groups in geographical areas with high COVID-19 infection prevalence.

Rest of the Population

After covering the above categories, the rest of the population will be inoculated. To avoid overcrowding, everyone will receive the vaccine in a staggered manner.

Registering for Coronavirus Vaccination

In the later phase of the vaccination drive, mainly while covering the rest of the population, a self-registration module will be available. To self-register, you need to:

• Register yourself on CoWIN app
• Authenticate using any Government ID proof or Aadhaar
• Once you register, you will get a time and date for vaccination

Note that there will be no spot registration. Only, if you are a pre-registered beneficiary, can you proceed for vaccination.

COVID-19 Vaccination Sites

Depending on the priority groups, sites have been identified where you will receive the COVID-19 vaccine. The sites are:

This is a health facility (Government or private) where a medical officer or doctor is present.

Session sites other than health facilities, such as community halls, schools, etc., fall under this category.

Several locations in India are remote and hard to reach. Special mobile teams, planned by the district administration, will reach out to such areas.

Three Rooms of Vaccination

There are three dedicated rooms for COVID-19 vaccination. They are:

You need to wait your turn in this room.

You will be given the vaccine in this room.

After receiving the vaccine, you will be kept under observation in this room for half an hour, post which you can go home.

5-Member COVID-19 Vaccination Team

A five-member vaccination team will conduct the vaccination process. The team includes:

• Officer 1: This officer will be in charge of pre-checking registration.
• Officer 2: This officer will be responsible for authentication.
• Officer 3: The third vaccination officer will be in charge of administering the vaccine.
• Officer 4 and 5: These two officers will be in charge of managing the crowd and observation.

With an aim to provide social security to the people belonging to the low-income groups, the Government of India launched AABY on 2nd October 2007.

As per the Ministry of Labour and Employment data, approximately 93% of India's total workforce is employed in the unorganised sector. Workers belonging to these occupational groups often shy away from buying health insurance coverage due to their poor financial state. However, in case of accidental injuries, illnesses, or death, their families may have to face the excessive financial brunt.

To provide social security to this section of the population, India launched "Aam Aadmi Bima Yojana (AABY)" on 2nd October 2007. The literal translation of the name is the common man's insurance scheme. It provides coverage against natural or accidental death and disability to the Below Poverty Line (BPL) families' breadwinners.

What is Aam Aadmi Bima Yojana (AABY)?

As specified above, the Aam Aadmi Bima Yojana (AABY) is a social security scheme, launched on 2nd October 2007. It provides health insurance coverage against contingencies such as death or disability. It is targeted towards the breadwinners of low-income families in India, and benefits those working in the unorganised sector, such as daily wage labourers, fishermen, cobblers, auto drivers, etc.

The AABY scheme started operating successfully from 2013 under the supervision of the Finance Ministry of India.

What is covered under Aam Aadmi Bima Yojana?

The AABY scheme covers the following:

• Natural death: ₹30,000 payable to the nominee.
• Accidental death: ₹75,000 payable to the nominee.
• Permanent total disability (due to accident): ₹75,000.
• Partial permanent disability (loss of one eye or one limb): ₹37,500.

These benefits ensure that a family's financial stability is not completely shaken in case of the death or disability of the breadwinner.

What is not covered under AABY scheme?

While the AABY provides financial aid in several circumstances, it does not cover:

• Hospitalization or medical expenses, unlike a health insurance policy.
• Death due to suicide within one year of enrolment.
• Death or disability arising from participation in hazardous activities or criminal acts.

This scheme is focused solely on life and accident insurance and is not a substitute for a health insurance policy for family.

Features of Aam Aadmi Bima Yojana

Key features of AABY include:

• The scheme covers family heads or lone earning members of the families belonging to the low-income groups.
• The coverage amount remains fixed throughout the policy period. The policyholder gets a lump sum in case of a claim.
• In case of the insured person's natural death during the coverage tenure, the nominee or surviving family members will be paid ₹30,000.
• In case of accidental death or total permanent disability (loss of both eyes or both limbs), the policyholder or his/her nominee gets ₹75,000.
• In case of partial permanent disability (loss of one eye or one limb), the policyholder or his/her nominee gets ₹37,500.

Benefits of AABY scheme

Here’s why the AABY is beneficial:

• The scheme is designed to cover the members of 48 occupational groups identified by the Government.
• The premium amount that's charged to provide the benefits of AABY scheme is ₹200 per annum. While 50% of this premium will be subsidised from the Social Security Fund, the State Government or Nodal Agency will bear the remaining 50% amount.
• The AABY scheme also offers a free scholarship of ₹100 every month to the eligible children (maximum of two children per person) to ensure that they receive uninterrupted education. The children must be studying between class 9th to class 12th to avail of this benefit.
• By availing the AABY scheme's benefits, the insured person will also be eligible to claim certain tax benefits under Section 80(D) and Section 10(10D) of The Income Tax Act, 1961.
• Insured members can approach their nearest Life Insurance Corporation (LIC) branch to solve their queries or issues regarding this scheme.

Occupations covered under Aam Aadmi Bima Yojana

The AABY scheme covers over 45 unorganised occupations, including:

• Beedi workers
• Fishermen
• Handloom weavers
• Brick kiln workers
• Auto drivers
• Rickshaw pullers
• Construction workers
• Agriculture labourers

This wide scope ensures that a vast segment of India’s workforce benefits from social security coverage.

Eligibility criteria for AABY

As mentioned above, the AABY scheme is meant to benefit the low-income families of India. Below is the basic eligibility requirements for an individual to avail the benefits of this scheme:

• The applicant should be between 18 to 59 years of age.
• The applicant should be the head of the family or its lone earning member belonging to the EWS, i.e., below the Poverty Line (BPL) or slightly above the poverty line.
• The individual must belong to a rural landless household.
• The individual must belong to one of the 48 vocational groups identified as beneficiaries under this scheme.
• Only one member per family can be covered under the scheme.

How to enrol in Aam Aadmi Bima Yojana?

The process to enrol for the AABY scheme is simple and hassle-free. No lengthy paperwork and documentation is required. However, since this is a Government-sponsored scheme, the process is slightly different from buying a regular insurance plan. Below are the steps one needs to follow:

• Step 1 – Download and fill in the Aam Aadmi Bima Yojana application form from the relevant Government website.
• Step 2 – Visit the Nodal Agency, an institution or NGO appointed by the Government, to carry out the enrolment process for this scheme.
• Step 3 – Submit a specific set of documents along with the application form to the Nodal Agency.

Documents required to apply for AABY

Below are the documents that need to be submitted by the applicant to become a beneficiary under the AABY scheme:

• Duly filled application form
• Proof of identity (voter ID, Aadhar card, ration card)
• Address proof
• Age proof, or extract of the applicant from his/her birth certificate or school certificate
• Income or BPL certificate

Once the documents are submitted to the Nodal Agency, the applicant would be enrolled to receive the scheme's benefits.

How to download AABY application form?

The AABY application form can be downloaded from:

• MyScheme Portal - AABY
• LIC India’s official website or local branch
• Nodal agency offices

The form includes personal, occupational, and nominee details and must be filled accurately to avoid delays in claim processing.

Aam Aadmi Bima Yojana premiums

Here are the details:

• The total premium is ₹200 per annum per member.
• Of this, 50% (₹100) is contributed by the Central Government.
• The remaining ₹100 is paid either by the state government, the nodal agency, or in some cases, by the beneficiary.

This ultra-low premium makes it accessible for families who may not afford even a basic health insurance policy.

How to claim under Aam Aadmi Bima Yojana?

The claim process for this scheme is relatively easy as compared to other health insurance products. In case of a contingency, the insured member or his/her nominee will have to approach the Nodal Agency's designated personnel. While filing a claim, the claimant will have to submit the relevant documents such as death certificate of the insured person, autopsy report (in case of accidental death), copy of FIR, medical proof of disability, etc.

After receiving the relevant documents, the Nodal Agency officer will begin the process to verify the claim's authenticity. Once the claim is verified, the beneficiary amount will be transferred to the targeted bank account through the National Electronic Fund Transfer (NEFT) process.

AABY helpline number and address

For assistance regarding AABY:

• LIC Toll-Free Number: 1800 33 4433
• Official website: licindia.in
• You can also contact the local LIC branch or your nodal agency for help with application and claim processes.

FAQs

1. Is AABY a health insurance policy?

No, it is a life and accident insurance scheme. It does not cover hospitalization or medical expenses like a traditional health insurance policy for family.

2. Can a person have AABY and a separate health insurance policy?

Yes, and in fact, it is recommended. AABY can offer accidental and death benefits while a health insurance policy covers medical costs.

3. Who pays the premium for AABY?

The premium is shared between the central government and either the state, nodal agency, or the individual.

4. How many family members are covered?

Only one member per eligible family is covered under the AABY scheme.

Conclusion

The Aam Aadmi Bima Yojana is a thoughtful and inclusive initiative by the Indian government to offer a security net to those who form the backbone of the unorganized workforce. While it is not a health insurance policy, it serves a critical purpose in cushioning low-income families against the financial shocks of accidental death or disability. For those already exploring a health insurance policy for family, AABY can act as a valuable additional cover, ensuring more holistic financial protection.

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

The beginning of a new year is the perfect time to make some changes to your lifestyle. By making the right health resolutions and sticking to them, you can stay fit all year long.

Finally, 2020 is gone, and 2021 is here. You must have welcomed the new year with lots of hope and vigour. Keeping behind the sufferings endured by the world due to the pandemic, it's time to be optimistic and think about the future. A new year signals a new beginning and provides an opportunity to take firm steps for a better tomorrow.

One of the ordinary things that most of us do before starting a year is making new year resolutions. After all, each one of us wants to improve our lives in the upcoming year. However, it's essential to keep our new year resolutions manageable and strategic so that we can strictly follow them.

According to Nielsen's survey, new year resolutions are mostly centred on staying fit and healthy. So, if you also want to improve your health in 2021, here are some practical new year's resolution ideas you can actually follow:

Make exercising a daily routine

There is no better way to stay fit than through daily exercise daily. It will not only help you in keeping your muscles active but in reducing your stress levels. It would help if you made it a habit to exercise daily for at least 40 minutes. What you can do is block a time in your daily calendar, possibly in the morning or evening, to tackle some fitness activities.

You can start with a simple morning walk and evening walk and gradually move on to activities such as weight lifting, squats, push-ups, etc. If you find it difficult to do these exercises at home, you can join a gym near your residence.

Start eating a healthy diet

It's one of the most common new year resolutions that most of us take but often fail to follow. Eating a healthy diet is one of the simplest and sustainable methods to keep yourself fit. It significantly reduces the chances of developing heart diseases and keeps your blood sugar level in check. On the contrary, an improper diet can hamper your development and may cause irreparable damage to your body.

You should strictly avoid eating junk foods such as chips, soft drinks, candies, etc. Instead, go for whole foods, including fruits, vegetables, nuts, seeds, grains, milk and fish, as they are rich in nutrients required by your body to function at an optimal level. You can also consult a dietician to get a healthy diet chart for yourself.

Quit smoking and minimise drinking

You must be well aware of the ill effects of alcohol and tobacco on your health. They can cause some severe health conditions such as cancer, heart disease, stroke, kidney failure, bronchitis, and pulmonary diseases. Hence, if you have a habit of smoking and drinking frequently, you must try to quit it without any delay.

It may seem like an uphill task in the beginning, but you can start with baby steps. It would help if you aimed to completely give up on smoking and minimise the intake the alcohol.

Reduce your sitting time and start walking more

According to health experts, sitting for a prolonged period is considered as bad for the body as smoking. Sitting or lying down for too long can increase the risk of chronic health problems such as heart diseases, diabetes and even cancer. Whether it's because of a sedentary job or inactiveness, most of us prefer to sit more than we should.

Hence, it would be best if you made it a resolution to reduce your sitting time and instead, indulge in more physical activities. If your job requires you to sit for an extended period, take frequent 10-minute walking or standing breaks.

Sleep for at least seven to eight hours a day

Getting adequate sleep is vital for your overall health. Sleep deprivation or inadequate sleep may lead to serious health consequences such as obesity, heart diseases and depression. There can be many reasons for a person not to get enough sleep. It can be due to stress or a sedentary lifestyle. It's crucial to fix these issues and sleep for at least seven to eight hours a day.

Healthcare has become increasingly expensive in India, and with age, medical needs tend to grow. For senior citizens, timely medical attention is vital and the financial issues of treatment can be overwhelming without adequate insurance. As people age, the risk of developing lifestyle-related or chronic diseases also rises. That’s why buying health insurance for senior citizens is essential.

Let us explore senior citizen health insurance, its importance, key benefits and some common myths around it.

What is senior citizen health insurance?

Senior citizen health insurance is a policy designed for individuals who are aged 60 years and above. These plans typically cover the high medical costs associated with ageing, critical illness treatment, pre-existing conditions and often outpatient care.

It aims to provide older adults with financial security and access to proper healthcare without draining their savings or becoming dependent on their children.

Why do you need separate health insurance for senior citizens in India?

Many assume that a regular health insurance policy is enough for senior citizens. However, most standard plans either exclude individuals above a certain age or offer limited coverage with high premiums. A dedicated senior citizen health insurance plan overcomes these challenges by providing:

• Age-specific benefits: Tailored coverage for age-related ailments such as arthritis, heart disease and diabetes.
• Higher coverage limits: Special provisions for increased hospitalisation and treatment costs.
• Fewer exclusions: Certain plans provide cover even for pre-existing conditions after a short waiting period.
• Customisable options: Add-ons and riders like critical illness cover or domiciliary hospitalisation help enhance the policy.
  
  

Benefits of buying medical insurance for senior citizens

Health insurance for senior citizens comes with several advantages:

• Comprehensive medical coverage

Senior-specific plans offer a wide range of coverage, including pre- and post-hospitalisation, ICU charges, surgeries, diagnostic tests and even sometimes alternate treatments like Ayurveda or Homoeopathy.

• Cashless hospitalisation

Most insurers have tie-ups with a network of hospitals offering cashless treatment. This ensures quick and smooth hospital admissions without upfront payments.

• Coverage for pre-existing diseases

While some plans have a waiting period of 1-4 years, many senior citizen policies are designed to start covering pre-existing conditions much earlier compared to regular plans.

• Tax benefits

Premiums that are paid towards health insurance for senior citizens are eligible for certain tax deductions under the Income Tax Act (Section 80D). This benefit can help save up to ₹50,000 annually.

Important factors to consider while buying senior citizen health insurance plans

Choosing the right health insurance policy for family can be overwhelming with so many options. Here are some key aspects to consider:

• Entry age limit

Ensure the policy allows entry beyond the age of 60. Some insurers offer plans even for those aged up to 80.

• Coverage limits

Look for a sum insured amount that is sufficient to handle major illnesses and hospital stays. With rising medical costs, a minimum cover of ₹5 -10 lakh is recommended.

• Waiting periods

Choose a plan with a shorter waiting period for pre-existing diseases to ensure timely coverage.

• Co-payment clause

Most senior citizen policies include a co-payment clause, where the policyholder pays a part of the medical bill. Opt for a plan with the lowest co-payment possible.

• Network hospitals

Check the list of network hospitals available in your city or nearby areas. A wider network ensures better access to cashless treatment.

• Renewability

Choose a plan with lifelong renewability to ensure uninterrupted coverage as you age.

While evaluating senior citizen health insurance, it’s also important to review your family’s overall coverage. A family floater policy works well as a supplement to a senior-specific plan. It covers younger family members under a single policy and helps manage routine or smaller medical expenses.

Myths about senior citizen health insurance

There are many misconceptions surrounding senior citizen health insurance. Let’s bust a few common ones:

• Myth: It’s too expensive.

Reality: While premiums may be higher due to increased health risks, many affordable plans offer good value. Tax benefits also help reduce the financial burden.

• Myth: Insurers reject claims for old people.

Reality: If you provide accurate medical history and follow claim procedures correctly, the chances of rejection are minimal.

• Myth: Pre-existing diseases are never covered.

Reality: Most plans offer coverage for pre-existing conditions after a waiting period. Some even provide partial cover from the first year.

• Myth: Family floater plans are enough.

Reality: As mentioned earlier, family plans may not provide sufficient cover for older adults. A separate policy ensures they receive the care they need without compromise.

FAQs

1. What is the ideal age to buy senior citizen health insurance?

It’s best to purchase the policy as soon as one turns 60 to avoid longer waiting periods and rising premiums.

1. Can I include my parents in my existing family health policy?

Yes, but it’s not always recommended. Their higher risk can lead to higher premiums and may reduce the coverage available for others.

1. What documents are needed to buy a senior citizen policy?

ID proof, age proof, address proof, recent medical reports and photographs.

1. Are there any exclusions?

Yes. Common exclusions include cosmetic surgery, self-inflicted injuries, war-related injuries and treatment for substance abuse. Always read the policy document carefully.

• Can I switch from one insurer to another?

Yes, through health insurance portability. However, ensure continuous coverage and check if waiting periods are carried forward.

Conclusion

Health insurance is a necessity at every stage of life, but it becomes even more crucial as we age. For senior citizens in India, a dedicated health insurance policy ensures access to timely and quality healthcare without causing financial stress.

While reviewing options, consider both senior-specific and family health insurance plans to create a balanced and cost-effective safety net for your loved ones.

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.

Pulses like lentils, beans, chickpeas and peas are simple, everyday foods that are very good for your health. They provide your body with important nutrients to stay strong and active. Pulses are easy to add to your daily meals.

The United Nations (UN) has dedicated 10th February as International Pulses Day to make people aware of the importance and benefits of pulses and legumes as a global food. In this article, we have listed down a few nutritional and health benefits of pulses.

What are pulses?

Pulses are the seeds of leguminous plants, like lentils, beans, peas and chickpeas. They are full of protein, fibre, vitamins and minerals. This makes them a healthy food option. Pulses are staples in vegetarian diets.

Are pulses good for health?

Yes, pulses are very good for health. They are rich in various essential nutrients and minerals. Research suggests that consuming 100 g or about 125 mL (half a metric cup) of cooked pulses is enough to get their dietary and nutritional benefits.

What is the nutritional value of pulses?

Below are the nutrients pulses offer:

• High in protein: Pulses are plant-based proteins that are good for growth and muscle repair.
• Rich in dietary fiber: They aid digestion, help prevent constipation and support heart health.
• Low in fat: Pulses contain very little fat, making them a healthy choice for weight management.
• Packed with complex carbohydrates: They provide steady energy and help maintain blood sugar levels.
• Source of essential minerals: Pulses contain iron, magnesium, zinc and potassium, which support various body functions.
• contain important vitamins: Especially rich in folate (vitamin B9), which is crucial for cell growth and development.

What are the health benefits of pulses?

Here are the health benefits of pulses:

1. Good for the heart

One of the primary health benefits of beans and pulses is keeping your heart in good shape. Consumption of pulses reduces your body's cholesterol level and thus helps improve your heart's health. Also, pulses usually contain high potassium and low sodium, which aids in regulating blood pressure.

2. Reduce the risk of diabetes

Pulses and legumes are ranked lower in the glycemic index, meaning they cause a minimal rise in your blood sugar level. Therefore, people who consume pulses regularly may have a lower chance of getting diabetes. And in case you already have diabetes, you can add pulses to your daily diet to regulate your blood sugar level.

3. Good during infancy and pregnancy

Pulses like beans and lentils are a rich folate source as they contain Vitamin B, which helps produce new cells. Hence, eating pulses can be very good during rapid growth stages, such as infancy and pregnancy. Growing children and pregnant women should thus include a fair amount of pulses in their daily diet.

4. May reduce the risk of cancer

Pulses are rich in antioxidants and anti-inflammatory agents, reducing cancer risk. Lentils also contain an element known as selenium, which decreases the rate at which a tumour grows. They also boost immunity and stimulate T cells' production, which helps in fighting diseases.

5. Control appetite

Pulses contain fibres and proteins, which are essential for the body. They supply the required starch to the body and create a feeling of satisfaction. This helps control the appetite of a person and prevents him/her from overeating, which in turn reduces the risk of obesity. Including pulses in your daily diet can be a great weight-loss strategy.

How to include pulses in your daily diet?

You can easily include pulses in your daily diet by adding them to salads, soups, curries or stews. Use lentils or chickpeas in your lunch or dinner, or enjoy sprouts as a healthy snack. You can also make dosas, parathas or chillas using pulse-based flours for variety. Rotating different types of pulses keeps your meals nutritious and interesting.

Who should avoid pulses?

People with certain health conditions may need to limit or avoid pulses. Those with digestive issues like irritable bowel syndrome (IBS) or bloating may find pulses hard to digest due to their high fiber content. Individuals with gout should also be cautious, as some pulses contain purines that can raise uric acid levels. Before changing anything in your diet, it is good to ask your doctor or dietitian.

Conclusion

Eating pulses every day is an easy way to stay healthy. They give your body important vitamins and minerals that help you grow, heal and fight off illness. These foods are especially good for children, pregnant women and older people.

Along with a healthy diet, it’s also important to be prepared for sudden medical emergencies with a health insurance policy. To buy a plan with the ideal coverage and premium, fill out the form provided on this page. You will get expert advice tailored to your needs.

FAQ

• Are pulses good for everyone?

Yes, pulses are healthy for most people, but those with digestive issues or gout should consult a doctor before including them in the diet.

• Why is health insurance important with a healthy diet?

Even with good nutrition, sudden health issues can happen. Health insurance helps cover unexpected medical costs.

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.

India started one of the most extensive vaccination drives in the world on January 16, 2021.

The COVID-19 pandemic gripped the world towards the end of 2019. People from all walks of life were affected by the disease, and medical experts worldwide worked relentlessly to discover a vaccine to curb the virus. While Pfizer and Moderna introduced new corona vaccines, India, too, was ahead in the race with its Bharat Biotech International Limited's Covaxin.

On January 16, 2021, India conducted one of the world's largest vaccination drives with Covaxin and Oxford University-AstraZeneca's Covishield. Our fight against the virus continues, and India's corona vaccine is undoubtedly a ray of hope in this battle.

To many of us, India's COVID vaccine may seem like returning to the old, everyday life without masks. But is this true? Does COVID vaccine translate to a mask-free life? The answer is no. Medical experts have stated that vaccinated people will still need to wear a mask.

Here's why.

The vaccine doesn't show instant effect.

The corona vaccine has two doses. Don't expect to get immediate immunity from the disease right after the first shot of corona vaccine. The first shot itself will need two weeks for the body to develop antibodies to fight the virus. The second dose of corona vaccine, India (Covishield), is administered only after four weeks of the first dose. This means that your body will need a couple of weeks to develop immunity to the virus.

There's no 100% protection from coronavirus.

The corona vaccine has been a breakthrough in fighting the pandemic. However, the clinical trials of the vaccine have been conducted in a controlled environment. Vaccine efficacy can only be determined in the real world when it's administered to people. Whether it's the corona vaccine of India, Pfizer or Moderna, the vaccine's efficacy rate reaches around 90-95% only after the second dose.

The vaccine doesn't provide 100% immunity from the disease. Besides, the vaccine storage also affects efficacy. It means that you may have a slight chance of contracting the illness despite being vaccinated.

Vaccination may make you an asymptomatic carrier.

Pizer and Moderna vaccine trials had found vaccinated people get the viral infection without the symptoms. This proves that vaccinated people can be asymptomatic carriers of the disease. Besides, the corona vaccine is injected into the muscle. If the virus enters your respiratory tract, the vaccine aids the body to develop antibodies to avoid the virus from entering your system.

However, the virus may still exist in your nose or mouth, and thus you may spread the disease to others through sneezing or coughing.

You may spread the virus to low-immunity people.

Continuing the above point, despite vaccination, you may still pose a threat to those who have not been vaccinated. Pregnant and breastfeeding women may avoid the vaccine. People who develop allergic reactions to the vaccine ingredients will also be instructed not to take the second dose. Besides, the vaccine trials didn't include people with chronic illness such as cancer and heart disease.

The efficacy of the vaccine on these people may not be certain. So, cancer patients and low-immunity people may get infected with the virus even from a vaccinated person. Hence, after vaccination, you should be wearing the mask to ensure you don't infect people who are not vaccinated or belong to the low-immunity category.

We are not yet closer to herd immunity.

The COVID-19 virus may eventually be curbed after we achieve the 'herd immunity'. This means a maximum number of people would require the corona vaccine for immunisation against the disease. However, we are still in the nascent stage of the vaccination drive. We still have miles to walk in terms of distributing and administering vaccines across the country.

You need to protect yourself and others from the new COVID variant.

A new variant of coronavirus has been identified and is claimed to be more contagious by the medical experts worldwide. If you are vaccinated but don't wear a mask, you may transmit the coronavirus's new variants to others. Hence, after vaccination, you need to wear a mask to avoid possible infections to yourself and others from the new strain of coronavirus.

The above reasons justify the need for people to wear a mask even after getting the vaccine. However, despite Government warnings and reiteration of safety guidelines, many people avoid wearing masks in public places. If vaccinated people travel without face covers, it can make it difficult for the Government to control the pandemic.

Hence, even if you take the corona vaccine in India, make sure you follow these safety measures:

• Maintain six feet of social distance from everyone
• Wear your mask when you step out of your home
• Clean your hands frequently with soap or hand sanitiser
• Avoid going to crowded places as much as possible

Till we receive guideline changes from the medical experts, it's best to not consider the corona vaccine as the permanent protection from the disease.

The term "cancer" strikes fear in the minds of most people. Cancer is a life-threatening health condition in which body cells starts to mutate and multiply uncontrollably, affecting standard cell mechanisms. As a result, the vilified cells start spreading to other body parts and damage the tissues, which may prove to be fatal in certain cases.

It's crucial to spread awareness about cancer, and it is equally important to stay away from cancer myths and misconceptions. The internet is flooded with misinformation related to cancer that can stop people from getting diagnosed on time and availing proper treatment. It can also trigger panic and contribute to social stigma and taboo that usually surrounds this disease.

In this article, we've tried to present cancer myths vs facts to make you more aware of this disease. So, here are some common cancer myths debunked by us:

Cancer Myth #1: Cancer means a death sentence.

One of the most common misconceptions regarding cancer is that it may prove to be fatal. However, this is not true in most cases. With modern medicines and advanced technology, cancer can be treated if detected during the early stages. According to the estimates, about 40% of cancer patients get cured and become disease-free within 5 years.

Cancer Myth #2: Cancer is a contagious disease.

This is another prevalent cancer myth among some people. However, the fact is that cancer is not at all a communicable disease. Unlike other contagious diseases, which are caused by the spread of virus or bacteria, cancer is caused by cellular changes in the body. It means that though cancer can spread within the infected person's body, it cannot be transmitted from one person to another.

Cancer Myth #3: Cancer is hereditary.

Many people believe that if someone in a family gets diagnosed with cancer, his/her off-springs will also develop the disease. However, it's not entirely true. Although there is a possibility of cancer transfer due to genetic mutation, its chances are very narrow. In fact, only 5 to 10 per cent of cancer cases occur due to genetic mutation.

Cancer Myth #4: I won't get cancer as I have no family history of cancer.

As mentioned above, a genetic mutation can cause cancer in the off-springs, albeit very rarely. However, this does not mean that you will never get this disease if you have no family history of cancer. Cancer is caused by cellular changes in the DNA, which may be due to specific environmental and lifestyle factors such as excessive air pollution, exposure to harmful radiations, smoking, drinking etc.

Cancer Myth #5: Consuming sugar aggravates cancer.

Although studies have shown that cancer cells absorb more sugar (or glucose) than normal cells, there is no scientific evidence to prove that consuming sugar or sweet foods can aggravate cancer. Nevertheless, it's best to avoid a high sugar diet, as it can lead to obesity, increasing the risk of developing several types of cancer.

Cancer Myth #6: Surgery or biopsy may cause cancer to spread.

Many cancer patients undergo surgery to remove the cancer-causing tumour or biopsy to collect a small tissue specimen for laboratory testing. Although it's theoretically possible that surgery can cause cancer to spread in the body, the chances of this eventuating are meagre. Modern-day doctors are equipped with sufficient technology and medical procedures to prevent this from happening.

Cancer Myth #7: Negative attitude reduces the chances of recovery.

Though negativity is never a good thing, it does not reduce the chances of recovery for a cancer patient. At least, there is no scientific evidence to validate such a statement. It's normal for a person who has cancer to experience myriad negative emotions, including anger, frustration, sadness etc. However, by keeping a positive attitude, he/she can avoid stress during the treatment.

Cancer Myth #8: Cancer treatment will make you bankrupt.

Though cancer treatments are very costly, they will certainly not make you bankrupt if you plan your finances. Many NGOs and Government schemes can provide financial assistance to cancer patients and help them through difficult times.

You can also purchase a health insurance plan with a cancer cover to keep yourself financially secured. If you opt for an add-on cover, you may receive a lump sum amount, which can help tackle the astronomical treatment costs.

Cancer Myth #9: If I feel a lump in my breast, it's cancer.

If you feel a lump in your breast, it's not necessarily a tumour or cancer. The National Breast Cancer Foundation says, "Only a small percentage of breast lumps turn out to be cancer". However, it does not mean that you should ignore such conditions. In case you notice a lump in your breast, you should visit a doctor and get yourself checked.

Balancing work, home and personal life can be overwhelming for many women. Amidst all the responsibilities, finding time to stay fit and healthy usually takes a back seat. However, staying active and eating well is not only good for your body but also for your mind and mood.

This blog will share simple and practical fitness tips for working women. Whether you work from an office or from home, these ideas can help you build healthier habits.

Importance of fitness for working women

Here are some key reasons why fitness is especially important for working women:

• Reduces health problems from sitting too long: Long hours of sitting at the desk can lead to back pain, stiff joints and weight gain. Regular movement keeps the muscles and bones strong.
• Increases energy levels: Even short workouts can make you feel less tired and more awake after a long day.
• Improves blood flow: Regular exercise improves blood flow, which helps transport oxygen and nutrients more efficiently.
• Helps manage stress: Physical activity releases chemicals called endorphins, which help reduce stress and anxiety.
• Improves sleep: Exercise helps calm your mind, making it easier to sleep and stay asleep at night.
• Lowers risk of serious diseases: Being active reduces the risks of getting lifestyle diseases like high blood pressure, heart disease and type 2 diabetes.

Even with a healthy lifestyle, serious illnesses like cancer, stroke or heart disease can still happen. In those instances, having critical illness insurance can be a huge relief. It can help you take care of expenses and ease the stress during recovery.

Health tips for working women

Making time for exercise doesn’t mean you need to spend hours at the gym. Little changes in your daily routine can help you stay active and feel better throughout the day.

For starters, try to walk whenever possible. If your workplace is nearby, walk instead of driving. If you take public transport, consider getting off a stop early.

If you work at a desk, make it a habit to stand up and stretch after every hour. Gentle stretches for your shoulders, neck and back can reduce stiffness and boost circulation. A short 15-minute walk after lunch can help you feel more refreshed and alert in the afternoon.

You can also try simple desk exercises that don’t require leaving your workspace. Seated leg raises, shoulder shrugs and neck rolls are quick, effective ways to keep your body moving without disrupting your workflow.

While these small steps are helpful, it’s still important to make time for regular workouts. Aim for at least 150 minutes of moderate exercise each week, like brisk walking, cycling or dancing. This can be spread out as 30-minute sessions five times a week, depending on what suits your schedule.

Equally important is getting enough quality sleep. Without proper rest, you may feel too tired to exercise and struggle to stay focused. Try to sleep for 7-9 hours every night to help your body and mind recharge.

Lastly, don’t forget to manage stress. Besides staying active, techniques like meditation, deep breathing or simply talking to friends and family can support mental wellbeing.

Nutrition tips for women

Food is fuel for your busy day, so it is important to choose what you eat wisely. Here are some simple nutrition tips for working women:

1. Don't skip breakfast

Working women may be hard-pressed for time in the morning, which may lead to skipping breakfast at times. However, a healthy breakfast with ample inclusion of fibre, protein and carbs is imperative. Also, breakfast is the first thing you eat in the morning, and therefore, it should be healthy and nutritious.

Ideally, your breakfast should include foods that can provide energy and also keep you full till lunch. For example, eggs, milk, oats, fruits, cereals, etc.

2. Avoid junk food

Working women may have very tight schedules with lesser free time. This means no time to prepare healthy snacks; ergo, eating junk food becomes common when hunger pangs strike. However, this can lead to health issues since they usually contain fewer nutrients and more unhealthy ingredients.

Hence, you must remove oily or sugary snacks from your daily routine. Instead, it would help if you switched to healthy snacks like nuts and dry fruits, roasted makhana, fruit or homemade energy bars. This will help you maintain optimum body weight and minimise the risk of several diseases.

3. Drink lots of water throughout the day

Dehydration is common among office goers, who may forget to refill their bottles or sip on water throughout the day while working. However, dehydration can lead to headaches, poor digestion and other issues. Hence, drinking enough water is essential.

If possible, keep a bottle on your desk at work. You can also have other fluids like buttermilk, coconut water or energy drinks to increase your liquid intake. If you forget to drink water, you can try using a mobile app that gives you reminders.

4. Minimise your intake of empty carbs

Cookies, cakes, chocolates, chips, etc., are not suitable for regular consumption. This is because they don't contain much fibre or protein, just empty carbs. They will increase your blood sugar level by producing more insulin in the body, which may lead to obesity and diabetes.

Therefore, you should refrain from including excessive carb-rich foods in your daily diet. Instead, your daily diet should contain food items rich in proteins, calcium, vitamins and minerals.

Conclusion

Being a working woman comes with many demands, but taking care of yourself should be a top priority. Exercise and good nutrition help you stay fit, manage stress, improve your focus and give you the strength to handle busy days.

As you take small steps to stay healthy and active, make sure you are also ready for life’s surprises. Having the right medical insurance can give you peace of mind and financial support when you need it most. If you need help choosing a plan that suits your lifestyle, just fill in the form on this page.

FAQs

• I have no time to go to the gym. What can I do?

You don’t need a gym. Try home workouts, walk during breaks or do exercises at your desk. Even small movements count.

• How to stay motivated to eat healthily?

Plan meals ahead, keep healthy snacks nearby and remind yourself of how much better you feel when you eat well.

• What is the best exercise for working women?

There is no single best exercise. Walking, dancing, yoga, swimming or cycling; choose something you enjoy so you will stick with it.

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