There are two types of personal accident insurance policies: individual and group accident insurance. A personal accident insurance policy protects from partial or permanent disability, including death. In case of permanent disability and accidental death, the insurer compensates the insured or their family for the sum-assured coverage. 

Types of Personal Accident Insurance

The types of personal accident insurance policy include individual and group accident insurance. 

• Individual accident insurance policy covers the accidental death of an individual or loss of vision or limbs following an accident. 
• Employers avail of a Group Accident Insurance plan for their employees. This plan offers:
• Accidental Death Cover: The sum assured goes to the nominee.
• Permanent Disability Cover: The policyholder receives a pre-determined sum.
• Permanent Partial Disability Cover: The insured receives 100% benefit of the sum assured.
• Temporary Total Disability: The policyholder receives a pre-agreed amount for total disability for a temporary period.

Conclusion

You should purchase a personal accident insurance policy along with health insurance right away for the welfare of your family. Choosing the correct personal accident insurance depends on individual needs, risk exposure, and financial goals. Carefully review policy details, coverage limits, and exclusions for adequate 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 your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Are you wondering what is deductible in top-up health insurance? A deductible is the amount you pay out of pocket for medical services before your insurer begins covering the costs. Deductibles differ based on insurance plans. Once you’ve paid the deductible in full, your insurance company will share or fully pay the expenses of your healthcare needs.

What are the Coverages Under Personal Accident Policy?

A personal accident policy covers several aspects, and they include:

• Road traffic accidents
• An injury or accident that takes place at the workplace
• Permanent or total disability as the result of an accident
• Injuries caused by someone’s violent action
• Loss of body part(s) or the inability to fully use them
• Injuries caused by spillages, slips, and falls

You may also receive coverage for medical expenses related to your accident, such as physiotherapy. Depending on your lifestyle and needs, some policies could be more flexible and include other scenarios. If the policyholder dies in an accident, the nominee will receive 100% of the insured amount as compensation.

Conclusion

A deductible in top-up health insurance is a predefined amount that has to be paid out-of-pocket before the top-up policy provides coverage. It helps in managing premiums and provides additional protection for high medical costs. This facet makes it a valuable addition to a comprehensive health insurance plan. Understanding how the deductible works and choosing the right amount can optimise the benefits of top-up health insurance.

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

Accidents can occur anytime and without warning and personal accident insurance can provide financial protection when needed. The question is, what does a personal accident policy cover? Most of us know it is a valuable addition to an individual's insurance portfolio, offering support when unexpected events occur.

What are the Coverages Under Personal Accident Policy?

So, what is covered by personal accident insurance? PA insurance typically covers:

• Accidental Death: Provides a lump sum benefit to the policyholder's beneficiaries if the insured dies in an accident. 
• Permanent Total Disability: Pays a lump sum benefit following a permanent total disability (PTD) to the insured that prevents them from working. 
• Permanent Partial Disability: Offers a benefit if the insured sustains a permanent partial disability (PPD) from an accident, such as loss of limb, sight, or hearing. 
• Temporary Total Disablement: Provides a weekly or monthly benefit if the insured cannot work temporarily following an accident-related injury. 
• Medical Expenses: Reimburses medical costs incurred from treatment of injuries sustained in an accident. This can include hospital stays, surgeries, medications, and other necessary treatments.
• Ambulance Costs: This often includes insurance to cover the costs of taking the patient in an ambulance to the hospital following an accident.
• Child Education Benefit: If the insured’s death or permanent total disability is caused by an accident, this benefit will cater to the education of their dependent children.

Conclusion

Now, we are better positioned to answer the question, “What does a personal accident policy cover?” Personal accidental insurance can provide significant financial support in the wake of an accident. It covers various expenses to ensure your and your family’s financial protection. Furthermore, you can opt for a comprehensive health insurance policy to alleviate further stress stemming from additional financial duress. Here’s to a happy life ahead!

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

Have you ever wondered why your vision is getting blurry or why lights seem to have halos around them? Well, these could be symptoms of keratoconus, an eye condition whereby the cornea, the transparent front part of your eye, becomes thin and bulges into a cone shape. Keratoconus causes significant visual disturbances and discomfort, given the progressive thinning and bulging of the cornea. Such an abnormal shape of the cornea leads to various visual problems.

What are the Symptoms of Keratoconus?

Keratoconus usually affects both eyes, though one eye gets often more severely affected. The symptoms present varying characteristics depending on the stage. However, the following are some common keratoconus signs and symptoms to watch out for:

Visual Symptoms:

1. Distorted Vision:

• Blurry Vision: Objects may appear blurry and out of focus. The most noticeable early sign of keratoconus is this gradual worsening of vision.
• Double Vision: Some individuals see double visions (diplopia) or ghost images through one eye.
• Worsening Near or Far Vision: Both near and distant vision can worsen over time.

2. Increased Sensitivity to Light:

• Photophobia: Sensitivity to bright lights, making it difficult to see in well-lit environments.

3. Glare and Halos:

• Glare: Bright lights may cause an intense glare, especially at night.
• Halos: Rings or halos around lights are a common symptom, particularly in low-light conditions.

4. Frequent Changes in Prescription:

• Unstable Vision: Frequent changes in eyeglass or contact lens prescriptions are often needed as the shape of the cornea changes.

Besides these visual symptoms, an individual affected by keratoconus may also experience physical symptoms. They include eye strain, discomfort, and fatigue from trying to focus on objects. The regular use of contact lenses can also cause irritation or discomfort in the eyes. Another symptom is called irregular astigmatism, or distorted vision, given the uneven surface of the cornea. Furthermore, the cornea may get scarred in advanced stages, further impairing vision and making corrective lenses less effective.

Conclusion

If you develop any of these symptoms, you should consider visiting an ophthalmologist immediately. Early detection and treatment can help manage the symptoms of keratoconus, thus improving your vision. Treatments range from glasses and contact lenses to corneal cross-linking or in severe scenarios, corneal transplants. Take good care of your vision, and do not hesitate if changes occur. Additionally, having health insurance can help cover the costs of necessary treatments and ensure you receive timely care.

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

When we enjoy a drink, our body experiences a range of effects that provide momentary pleasure. But how does alcohol affect the brain? Read on to understand the impact of indulging in an alcoholic drink.

How Alcohol Impacts the Brain

It is important to understand how alcohol damages the brain to develop responsible drinking habits. This awareness can also help you prioritise your health in the long term.

• Temporary Effects: Alcohol may appear to improve your mood at first because it increases levels of corresponding mood hormones like dopamine. However, it also quickly starts to cloud memory, influence speech, affect balance, and impair judgment. Consequently, things that you usually find simple to do appear to be momentous and difficult, if not dangerous.

• Effect on Neurotransmitters: Research has long been concerned with understanding how does alcohol change the brain. After consuming alcohol, the brain’s neurotransmitters no longer function optimally. Reflexes become slower, and the response to stimuli appears less sharp.

• Disturbed Sleep: Contrary to popular belief, alcohol actually interferes with the natural sleep cycle. After drinking, you find that you are unable to experience deep sleep. Drinking without recognising how alcohol affects the brain may lead to poor sleep and groggy mornings.

• Long-Term Changes: More severe changes can occur as a result of persistent alcohol use. For instance, a reduction in brain cells and a shrinking of brain tissue have been associated with heavy alcohol usage.

• Effect on Cognitive Abilities: You may find it difficult to reason and make sound decisions if you drink alcohol on a regular basis. Cognitive capacities such as attention, memory, and problem-solving ability may be adversely impacted.

• Mood and Behaviour: Alcohol can influence a person’s emotional state and actions. Frequent alcohol consumption is linked to a wide range of negative emotions, including anger, melancholy, and mood swings.

• Addiction: The brain can develop a reliance on alcohol if it is forced to adapt to regular consumption. Once addiction sets in, it becomes hard to control one’s drinking. Other issues with brain health are also exacerbated by addiction.

• Effects on Mental Health: Alcohol may cause existing problems with mental health to worsen. Individuals may sometimes fall victim to a self-perpetuating loop of drinking to alleviate symptoms when it is alcohol that is making them worse in the long run.

• Risk of Permanent Damage: Severe cases of alcoholism can cause permanent brain damage and disorders like Wernicke-Korsakoff syndrome, a debilitating brain disorder marked by memory lapses and cognitive decline.

Conclusion

It is wise to wonder how does alcohol affect brain function before choosing to drink. There are a number of short and long-term effects of alcohol that could seriously affect your health. If you begin noticing the symptoms of severe alcohol usage in yourself or a loved one, you may stand to benefit from acquiring a health insurance plan to access affordable treatment plans and begin your journey of recovery.

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

Updated on - 04 Feb 2026

A report indicates that more than 40% of older people in India live with poor wealth, and 18.7% are without any income sources. The statistics highlight the grim situation of geriatrics in India. The young generation has the responsibility to select the top medical insurance plan for senior citizens in India, be it their parents or grandparents. Senior citizen health insurance is custom-made to provide a financial cushion to people over 55 who need frequent medical assistance. Stay glued to learn more about the best health insurance plans for senior citizens.

Best health insurance plans for senior citizens

Key features to view for in senior citizen health insurance

It is important to review all the key features before purchasing health insurance for a senior citizen. Make sure to look at these points before buying one:

1. Age: Entry age is important when selecting senior citizen health insurance. While some insurers have no upper age limit, others only allow entry between the ages of 60 and 80.
2. Sum insured: Due to their increased health risks, senior people require a larger quantity of insurance. Greater coverage guarantees better protection against medical expenses.
3. Coverage: Check whether the plan includes a wide range of illnesses, especially critical conditions. Review the exclusions carefully, including those related to pre-existing diseases.
4. Pre-existing conditions: Policies have a waiting period before covering pre-existing conditions. A shorter waiting period is more appropriate because hospitalisation risk increases with age.
5. Premium: Compare premiums across insurers to find one that offers balanced coverage at a reasonable cost.

Understanding premiums and coverage for seniors

Premiums for senior citizen health insurance are commonly higher due to increased health risks with age. Factors affecting premiums include age, existing medical conditions, lifestyle and family medical history.

Coverage should be carefully reviewed to meet a senior citizen’s medical needs. Look for plans that cover hospitalisation, critical illnesses, daycare procedures and pre-existing conditions. Check sub-limits, room rent caps and co-payment clauses, as these can affect actual benefits.

Common exclusions in senior citizen health insurance

When choosing senior citizen health insurance, it is important to check what the plan excludes. Knowing these limits helps avoid surprises during claims:

1. Waiting period: It covers certain medical conditions only after a set number of years. Common conditions include hypertension, diabetes, high or low blood pressure and asthma.
2. Cosmetic and dental procedures: Policies usually exclude treatments done for cosmetic reasons or dental improvements, such as plastic surgery or implants.
3. Substance or alcohol abuse: Treatment costs arising from alcoholism, drug misuse or any form of substance addiction and its resulting complications are excluded from coverage.
4. Hazardous or adventure sports: Medical expenses resulting from participation in hazardous or adventure sports are excluded, especially when performed professionally.
5. Vision correction: Costs for corrective eye surgeries due to refractive errors below 7.5 dioptres are typically not included in the policy coverage.

Note: This is an indicative list. Please read the policy wording for the complete list of exclusions.

Tips to choose the right plan for your health needs

Consider more than just premiums when comparing health insurance for senior citizens. Pay attention to the following key factors for a well-rounded decision:

1. Check the entry age and confirm lifelong renewal. This feature is essential, not optional.
2. Review the waiting period for pre-existing diseases. Shorter periods, usually two to four years, are better. Confirm which conditions are included.
3. Medical costs are rising. A cover of ₹5 lakhs may not suffice for major surgeries. Choose a cover that balances affordability and future medical needs.
4. Check if the policy caps room rent, doctor’s fees or surgeries. Plans without sub-limits are ideal but costlier. If limits exist, ensure they match hospital standards in your city.
5. Choose insurers with a claim settlement ratio (CSR) above 90 per cent. Review how quick and smooth their claim process is.

How pre-existing conditions affect senior insurance plans

Pre-existing conditions greatly influence senior health insurance. Insurers usually charge higher premiums for such cases. Policies often impose a waiting period of 12 to 48 months before coverage begins. Some insurers reduce or waive this by charging extra.

Coverage may also exclude related expenses or apply strict sub-limits. Medical check-ups are usually mandatory before approval. Results can raise premiums or exclude certain illnesses from cover.

Failure to disclose existing conditions often leads to claim rejection. Seniors should always share complete health details with insurers to ensure valid coverage, avoid disputes during emergencies and secure smooth claim settlements.

Benefits of cashless hospitalisation for senior citizens

Healthcare becomes a major concern with age. Conditions like heart disease, diabetes and arthritis often lead to frequent hospital visits. Without proper coverage, treatment costs can become difficult to manage.

Cashless hospitalisation allows senior citizens to receive treatment without paying upfront at the time of admission. It’s especially helpful for those with limited access to funds, as the insurer settles the hospital bills directly. The process is simple and stress-free, ensuring that senior citizens and their families can focus on recovery instead of financial formalities.

Role of critical illness coverage in senior health policies

Critical illness coverage offers senior citizens extra protection beyond standard health insurance. It helps manage expenses for advanced or long-term treatments, like cancer, end-stage liver failure and paralysis, that may not be fully included in regular policies, ensuring stronger financial security.

These illnesses often bring heavy medical bills that can exhaust savings and retirement funds. A critical illness plan typically provides a lump-sum payout upon diagnosis, which can be used not only for medical expenses but also for daily living costs, post-hospital recovery or home-based care.

Conclusion

Senior health insurance helps seniors get medical care on time without unnecessary delays. With the right coverage, older adults can maintain independence and avoid added stress during emergencies.

Making informed insurance choices also supports long-term financial stability. By carefully comparing plans and understanding their terms, seniors can select policies that best suit their health needs. If you need help selecting the right plan, simply fill out the form on this page to receive expert guidance.

FAQs

1. Can seniors get insurance online?

Many companies allow buying and renewing all types of policies online, so senior citizens can also buy a policy online. However, it is always advised to personally check with a provider to get the best plan.

2. Is pre-approval needed for hospital treatment?

Most cashless plans require approval before hospitalisation for smooth claims.

3. Can premiums be paid monthly?

Yes, many insurers let seniors pay premiums monthly, quarterly or yearly.

Disclaimer: This blog provides information regarding health insurance for senior citizens. The information provided is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. 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.

Updated on - 10 Feb 2026

Health insurance keeps you safe financially during a medical emergency. However, your protection only lasts as long as your policy is active. Renewing your health insurance on time is thus essential to avoid any gaps in your coverage. Skipping or delaying renewal can cause troubles like losing discounts, facing new waiting periods or even being denied claims. The insurance renewal process is simple and quick, regardless of whether you decide to do it online or offline.

This guide will walk you through the process of renewing your health insurance so that you can stay protected without any problems.

Why timely health insurance renewal is crucial?

Renewing your health insurance on time is important for the following reasons:

1. Continuous medical coverage

If the insurance policy is not promptly renewed, it may lapse, leaving you without coverage in an emergency. This disparity might put a lot of strain on finances.

2. Retain No Claim Bonus (NCB)

Timely renewal secures the NCB benefit. The insured sum increases without extra cost.

3. Avoid restarting waiting periods

When renewing a lapsed policy, many insurers may treat it as a fresh policy. Waiting periods for pre-existing conditions could restart, and some benefits may be restricted or subject to exclusions.

4. Continue tax benefits

Renewal within time allows continued tax deductions on premiums under Section 80D of the Income Tax Act.

5. Option to upgrade or port

Renewal gives a chance to reassess cover. The insured sum can be increased or the policy shifted to another insurer without losing benefits.

Step-by-step procedure to renew your health insurance policy

Renewing a health insurance policy is simple and requires no middleman. To finish the renewal process today, take these actions:

• Go to the insurance provider's official website.
• Select the ‘Renew Your Policy’ option from the menu and click ‘Health Renewal’
• Enter the registered mobile number or policy number and log in
• Provide any other required details of the plan
• Add or remove coverage or family members if you are renewing health insurance for your family
• Pay the renewal fee online through debit card, credit card or net banking
• After successful payment, you will receive a digitally signed copy of the policy. The document can be downloaded and printed whenever required.

Common documents required for health insurance renewal

Very few documents are required to renew a health insurance policy. In most cases, only the existing policy number, registered mobile number and proof of identity are needed. Extra documents may be required if personal details change, new members are added or the plan is switched.

Below are some common documents required during renewal:

1. Identity and age proof: Aadhaar card, passport, voter ID, driving licence, PAN card or birth certificate.
2. Proof of address: Aadhaar card, passport, driving licence, utility bills (electricity or telephone), ration card or rent agreement.
3. Passport-sized photographs
4. Medical reports (if applicable)
5. Proposal form for renewal
6. Payment proof

How to review your existing health insurance policy before renewal?

To stay protected and prevent surprises, it is advisable to evaluate a health insurance coverage prior to renewal. Examine the covered amount in relation to your current medical needs. Check the coverage for hospital stays, critical diseases and daycare sessions. Verify the list of permitted and forbidden therapies again to prevent your claim from being rejected. Check the accuracy of personal information and waiting times for specific therapy. Before the renewal, consider the family members covered, optional riders and any modifications to the price.

Top mistakes to avoid during health insurance renewal

Although renewing health insurance is simple, even minor mistakes can have major consequences. Steer clear of these typical blunders to preserve protection and save money.

• Missing the deadline

The most serious mistake is missing a renewal on time. A lapse can remove benefits and restart waiting periods.

• Not updating details

Failure to update personal details, address or health changes can cause issues during claims.

• Ignoring claim history

Reviewing claim history shows whether the current plan meets needs. It may also highlight the need for a higher sum insured or a different policy.

• Skipping comparison of upgraded plans

Insurers often introduce better options. Comparing plans ensures access to improved features at similar or lower premiums.

• Not disclosing new medical conditions

Transparency remains essential. Declaring new medical conditions or illnesses at renewal prevents claim rejection later.

Understanding policy term, sum insured and coverage changes at renewal

The policy term specifies the time frame for which a health insurance plan offers protection. Understanding this helps prevent gaps and ensure continuous coverage because renewal dates vary based on the insurance.

The sum insured is the highest amount that the insurer will cover for medical expenses. Reviewing it before renewing ensures that the coverage meets current and future health care needs. Over time, medical costs may rise, rendering the present insurance amount insufficient. By making the necessary adjustments at renewal, financial burden during hospitalisation or critical care can be avoided.

At renewal, insurers often allow you to update or enhance your coverage, such as including add-ons like critical illness cover, maternity cover or wellness programmes. You can also remove outdated add-ons that are no longer needed, keeping premiums optimised. Reviewing coverage ensures the policy aligns with your current health needs and lifestyle changes.

Benefits of renewing online vs offline

Renewing your health insurance online offers a quick, easy and paperless experience. It is available round-the-clock, allowing you to complete the process at your convenience. Online renewal also provides instant confirmation and transparent access to policy details.

Offline renewal offers personal guidance and support from the insurance office branch representative, which is especially useful for complex cases or if you prefer face-to-face assistance. This ensures confidence in your policy decisions. It does not require internet access.

What happens if you delay health insurance renewal?

The following situations can arise if you put off renewing your health insurance:

• Claims for health insurance cannot be submitted.
• Even within the grace period, the policy remains invalid.
• Renewal discounts and accrued No Claim Bonus are forfeited.
• Waiting periods restart when a new policy is purchased.
• Health insurance premiums may rise.
• A medical screening may be required before issuing a new policy.

Conclusion

Maintaining health insurance has now become essential, given the rising cost of medical care in India. Timely renewal ensures uninterrupted coverage, so you can face medical emergencies without financial stress. It also helps you retain benefits like No Claim Bonus and tax deductions. Taking a proactive approach to your health insurance today means greater financial security and peace of mind tomorrow.

Need help with finding the ideal health insurance policy? Fill up the form below, and our experts will assist you in choosing the best one for you and your loved ones.

FAQs

After my health insurance expires, is it possible to renew it?

Yes, some insurance companies permit renewals during grace periods; however, bonuses and perks might be forfeited.

Is it necessary to renew the policy for all family members together?

No, you can renew each member’s policy separately if needed.

Can I change my payment method during renewal?

Yes, during renewal, the majority of insurers permit choosing between online and offline payment methods.

Disclaimer: This blog provides information and a guide to renewing health insurance. The information provided is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. 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.

The nature of accidents is such that they come stealthily and depart swiftly, leaving many in tears behind them. Personal accident insurance is efficacious in such situations. The primary purpose of this is to compensate the family in the event of an accidental death or disability. Read on to learn more about the features of personal accident insurance.

What are the Features of Personal Accident Insurance?

 The characteristics of personal accident insurance are:

Accidental death of the policyholder

In the event of death due to an accident, the insurance company pays the insured amount to the nominee or the dependents of the deceased. For instance, if somebody has taken personal accident insurance of Rs. 50 lakh and unfortunately passes away in an accident, irrespective of whether it is a major or minor accident, the company will pay Rs. 50 lakh to his dependents as compensation. However, the policy does not provide coverage against death due to childbirth or a complicated pregnancy.

Permanent partial disability

If an accident renders any of your body parts, say a thumb, incapacitated, the insurance company compensates a certain percentage of the sum insured according to the disability, as pre-defined in the insurance policy. If the rate is not already defined,  compensation is provided based on the medical certificate prepared by the doctor. The sum is either provided in installments or paid at once.

Permanent total disability

Any major accident can cause a disability of a permanent nature, rendering a body part entirely useless, such as loss of eyesight, hands, or limbs, a paralysis attack, or leading to coma. Such accidents can leave a person unemployed for their entire lifetime, causing financial upheaval in the family. In such cases, the insurer provides the insured sum to the dependents.

Temporary total disability

Few accidents cause disability for a specific period, and there is hope of a complete recovery. Such incidents are categorised as temporary total disabilities. The company provides compensation every week to the policyholder until final recovery. The sum paid is determined based on the severity of the injury. However, if the policyholder harms himself intentionally, the insurer is not liable to pay a single penny.

Accidental hospitalisation coverage

A few policies also compensate for hospitalisation due to an accident. The insurance company bears the expenses during treatment, including the doctor's consultation fee. Pre- and post-hospitalisation charges are also included. The features are very similar to those provided in a health insurance plan.

Ambulance charges and coverage for carriage of dead body

One of the noteworthy features of personal accident insurance is the coverage of ambulance charges for carrying the insured from the location of the accident to the hospital. Unfortunately, if the policyholder passes away during this time, a certain percentage of the sum insured is provided over and above the insured amount to carry the dead body home.

In addition to the above features of personal accident insurance, the insurer also pays for the children's education. Compensation is provided for alteration in the house to ensure the mobility of the insured suffering total disablement. Other add-ons in the policy provide an option of loan repayment by the insurer in the event of the sudden demise of the insured.

Conclusion

The premium for personal accident insurance varies as per the profession of a person. For instance, a teacher has fewer chances of breaking legs than a mountaineer and, therefore, will pay a lesser premium. Ensure that you check out all the features of personal accident insurance and make a wise investment.

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.  

One can never predict when a medical emergency will happen. Having a personal accident and medical insurance policy will help you cover the expense of medical care during such unfortunate situations. However, both differ in the coverage they provide.

A health insurance policy offers comprehensive coverage for healthcare costs incurred during hospitalisation and treatment.  Personal accident insurance only pays out in circumstances like loss of life, disability, or injuries due to an accident. All health insurance plans cover hospitalisation and treatment expenses for injuries sustained during an accident but don’t provide compensation for death or disability due to the mishap.  So, if one needs to cover such situations, they need to purchase personal accident insurance with their health policy.

When you are searching for health insurance policies, you may come across the term sickness insurance. Both the terms are used interchangeably most of the time. However, they are entirely different. Sickness insurance provides monetary benefits in the event the policyholder gets diagnosed with a disease that can lead to permanent disability or inability to work temporarily. When you are planning to buy a policy, it is necessary to understand what is personal accident and sickness insurance, as well as health policy. This will help you choose the right one according to your needs.

What is the major difference between health insurance and personal accident insurance?

Many choose to have both health and personal accident insurance to ensure that they are protected against all possible health and accident risks. The latter is more targeted and offers particular benefits in the event of unintentional injuries or fatalities, whereas the former covers all health-related needs, including illnesses and certain accident cases.

The major differences between health insurance and personal accident insurance are as follows:

Conclusion

In the event of an accident, personal accident insurance offers benefits including disability payments or lump-sum payments for death or serious bodily harm. This provides financial security to the insured and his family. By covering medical expenses health insurance ensures financial stability during times of treatment and hospitalisation. 

When combined, personal accident and health insurance provide a complete safety net against health-related 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.  

Updated on - 04 Feb 2026

Healthcare costs in India have gone up sharply over the years. In such a scenario, to deal with treatment expenses, many are buying health insurance. The greater the coverage, the more secure you are financially in case of high medical bills. However, many families still choose 3 lakh coverage because it appears affordable and sufficient at first. The question is whether this amount can handle expenses for hospitalisation, surgeries or routine treatments. A closer look at what 3 lakh health insurance plan actually offers will help decide if it is the right choice for your family.

How much health insurance should you buy for your family?

The amount of family health insurance coverage you should buy for your family will depend on various aspects of your income and spending, and your family’s healthcare needs. If there is a medical history of some kind of illness in your family, it is important to get covered for these health conditions. This may help you in getting a higher sum insured. You should keep in mind your family member’s age when planning to buy a health insurance plan. If you have young members in your family, the chances of illness are lower, so you can opt for a medical care plan with low coverage. However, if your family comprises elders, you may need higher coverage. You can evaluate your past medical expenses to know how much health insurance you should buy for your family.

Is 3 lakh health insurance enough for your family?

With a ₹ 3 lakh health insurance plan, you get coverage on an indemnity basis. If the policyholder files a claim for medical expenses or hospitalisation, it will provide them coverage for some part of the medical expenses. Under this plan, the maximum amount that the insurer will cover will be ₹ three lakhs, which is your sum insured. The policyholder will have to pay a premium for the coverage provided by the insurance company.

Health insurance of ₹3 lakhs is appropriate for families with young individuals or those who fall into a low-income category. This plan can also be the right choice for those who are looking for basic plus top-up plans. This type of health insurance policy is available both on a family floater and an individual basis.

Factors to consider before choosing a 3 lakh health insurance plan

Now let’s see if ₹3 lakh health insurance is truly enough. Sometimes it may work, but its value depends on several factors:

1. Medical inflation

Healthcare costs rise every year. What seems enough today may feel inadequate tomorrow as hospitals increase fees to match the rising prices of medicines, equipment and technology.

2. Treatments and procedures

Different treatments cost differently. Complex surgeries for cancer, heart issues or organ transplants can run into lakhs, making a ₹3 lakh cover seem very small against such expenses.

3. Location

In small towns, ₹3 lakh may stretch further, but in big cities like Delhi or Mumbai, treatment expenses are far higher.

4. Age

As you grow older, health issues and hospital visits increase, so a sum that works in your youth may fall short later in life.

5. Hospital network

A wide network ensures better treatment access and cashless facilities, while a limited one may restrict options in top-tier hospitals.

Common medical expenses that can impact your coverage

Most standard health insurance plans in India cover the following medical expenses:

1. Hospitalisation expenses

Insurance covers hospital costs like room rent, ICU, surgery, doctor fees, OT charges and equipment used during admission.

2. Pre-hospitalisation expenses

Covers tests, consultations, and medicines before admission, usually for 30, 60 or 90 days.

3. Post-hospitalisation expenses

The patient pays for follow-up care after discharge, including consultations, physiotherapy and medicines, typically for 60, 90 or 180 days.

How family size influences your health insurance needs

Having a bigger family does not automatically mean higher medical expenses. A healthy family of six may only use their health insurance once a year, whereas a couple with ongoing health issues might need to claim several times.

That said, family size does affect the premium. The cost of a family health insurance plan, including parents health insurance, rises each time an additional member is added, reflecting the increased coverage needed for all dependents.

Comparing 3 lakh coverage with higher sum insured plans

Here’s a comparison of a ₹3 lakh health insurance plan against higher sum insured options to help you understand how coverage impacts financial protection and medical expense management.

Hidden costs that may not be covered in basic plans

Many policyholders remain unaware of the hidden costs that come with hospitalisation. Expenses such as attendant bed charges, personal toiletries, hospital registration fees and administrative costs can build up quickly. As these are often excluded from insurance cover, policyholders need to ask about them in advance and be financially prepared.

Tips to maximise your health insurance benefits

Here’s how you can choose a medical insurance plan and maximise your benefits.:

● Choose a plan with restoration benefits

A plan with restoration restores your sum insured to the full limit after a claim, giving extra coverage without buying a new policy.

● Opt for network hospitals

Network hospitals offer cashless claims, no out-of-pocket payments, preventive care access and discounts, making treatment easier and more affordable.

● Use preventive care coverage

Health insurance often covers preventive tests, checkups and scans. Using these benefits helps detect health issues early and reduces future treatment costs.

When to upgrade beyond a 3 lakh health insurance policy

You should consider upgrading from a ₹3 lakh health insurance policy if you have dependents, live in an area with expensive healthcare, have a family history of serious illnesses or if rising medical costs make your current cover insufficient. To get extra protection beyond your base policy. You can also use options like co-payments and deductibles to reduce premiums.

Conclusion

The right insurance coverage can help prevent financial strain. When choosing a health insurance policy, you should consider your family's unique circumstances, review available options and make an informed choice that offers adequate financial protection.

The decision to choose a 3 lakh health insurance plan should be based on your family's current health status, financial capacity and future medical needs. Health insurance is an investment in your loved ones' well-being. To learn more about the best health insurance plans, fill out the form below.

FAQs

1. Can I combine multiple 3 lakh health insurance plans for higher coverage?

Yes, you can buy multiple plans or opt for a top-up or super top-up plan to increase coverage while keeping premiums manageable.

2. Does a 3 lakh health insurance plan cover outpatient treatments?

Most 3 lakh plans focus on hospitalisation. Outpatient costs like doctor visits or medicines are usually not covered unless specifically included.

3. Are pre-existing conditions covered under a 3 lakh health insurance plan?

Coverage for pre-existing conditions varies. Most insurers apply a waiting period, often 2–4 years, before these conditions are fully covered.

Disclaimer: The information provided is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. 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.

The Ayushman Bharat Health Account (ABHA) card is an efficient healthcare system that safeguards your health information. It contains a 14-digit identification number—ABHA ID—and is a virtual repository of vital health information. Read more to learn how to make an ABHA card.

How to Create an ABHA Card or Health ID Card?

Here are the steps to follow to create a health card and how to apply for it now:

• Visit the ABHA website https://abha.abdm.gov.in/abha/v3/ and ‘create ABHA number’.
• Choose either an Aadhaar or another identity card to generate the ABHA number.
• Enter your details to go through the declaration.
• After carefully reading the declaration, select ‘I Agree’ and enter the OTP sent to your registered mobile number.
• Next, hit ‘submit’, and it will successfully generate the ABHA ID number.

Conclusion

It is easy to learn how to create an Ayushman card online. ABHA offers a safe and secure platform for storing health information. Additionally, ensure you have proper health insurance along with your ABHA card for comprehensive coverage.

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

The Ayushman Bharat Digital Mission was launched in September 2021 by the National Health Authority to improve the availability, accessibility, acceptability, and affordability of healthcare through virtual more. The Government of India intends to develop an integrated digital health infrastructure for India through ABDM health card benefits. Let us better understand the benefits of the Ayushman Bharat Digital Mission. 

Major Benefits of Ayushman Bharat Digital Mission

The key benefits of Ayushman Bharat Digital Mission you must know are listed below:

• Better access to healthcare services through a strategic blend of healthcare services and digital technologies. Patients can access their health records from anywhere in India.
• Encrypted health records ensure the safety and security of your health information and restrict unauthorised access.
• Easy access to ABDM EMR (Electronic Medical Report) online.
• Significant reduction in patients’ waiting time, travelling time, cost, and associated expenses with online teleconsultation and pharmacy.
• Unique Health ID (UHID) under ABDM enables centralised management of health records, making it convenient for doctors to diagnose, advise, and treat patients across India.

Conclusion

The ABDM transcends mere policy. It is an upgrade to the Indian healthcare system. Embracing a comprehensive healthcare approach with health insurance guarantees that top-notch medical advice and essential medications are always a moment away.

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

Life is unpredictable, and unexpected events such as accidents can bring about substantial financial, emotional, physical, and psychological challenges for you and your loved ones. Term insurance and accident insurance are products designed to support you through difficult times and offer peace of mind. We'll examine the difference between term insurance and accident insurance to help you make an informed decision tailored to your needs.

Difference Between Term Insurance and Personal Accident Insurance

There exists a significant difference between personal accident and term insurance. The two are compared below:

Conclusion

Terms and conditions of term and personal accident insurance can vary from insurer to insurer. Browse comparison websites for the best health insurance policies, consult an insurance advisor, and make an informed decision to secure yourself against financial shocks during the unplanned events of your life. Get insured today for a safe tomorrow.

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

Campylobacteriosis, caused by the Campylobacter bacteria, is a common foodborne illness leading to stomach cramps, diarrhoea, and fever. This blog explores the treatment of campylobacteriosis, covering various aspects of care and recovery to help you understand how to handle campylobacter treatment.

Before we discuss campylobacter infection treatment, let us give a quick brief on what it is.

What is Campylobacteriosis?

Campylobacteriosis is caused by one of several species of Campylobacter bacteria, particularly Campylobacter jejuni. The most common symptom of this infection is diarrhoea. It is also possible for the infection to cause fever and abdominal cramps.  

Humans are usually infected with Campylobacter after eating poorly prepared meat, particularly undercooked chicken. One of the most common causes of foodborne illness is Campylobacter.  

The immaturity of the immune system makes infants particularly susceptible to campylobacteriosis. There is also a greater risk of infection among young adults, perhaps due to a lack of experience with cooking and handling raw meat. Therefore, they may be exposed to potentially contaminated foods on a more frequent basis.  

What is the Treatment of Campylobacteriosis?

Here are some important points surrounding the treatment of campylobacteriosis

• The primary objective of treating Campylobacter-related diarrhoea is to replace lost body fluids and electrolytes (chemical substances involved in a variety of bodily functions).
• Dehydration may occur if you have severe diarrhoea. Your doctor will prescribe oral or intravenous fluids to treat your dehydration.  
• Since Campylobacter infections are usually self-limited, your doctor may not prescribe an antibiotic if you are otherwise healthy.
• Azithromycin (Zithromax) should be the first choice when considering campylobacter infection treatment. While most strains will respond to fluoroquinolones, such as levofloxacin or ciprofloxacin, antibiotic resistance and side effects are more common with these antibiotics. 
• Your doctor may recommend loperamide (Imodium, generic versions) or another antidiarrheal medication to reduce diarrhoea. 

Conclusion

For effective treatment of campylobacteriosis, prompt medical attention and proper treatment are essential. In order to recover from an illness, antibiotics, hydration, and rest are crucial. Nevertheless, prevention remains the best course of action. The practice of food safety and proper hygiene can help reduce the risk of this illness, ensuring a healthier and safer future for everyone. Additionally, having comprehensive health insurance can help cover medical expenses during treatment, ensuring peace of mind.

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

Also Read:

• How to Protect Yourself from Vector-Borne Diseases?
• Treatment for Pelvic Inflammatory Disease
• What Is Endometriosis Disease In Women's?
• Symptoms of Addison Disease
• Pre-existing Diseases Clause in Health Insurance Plans

Humans have got many diseases from animals and Echinococcosis Disease is one such disease. The disease is parasitic in nature and comes from the tapeworm of the Echinococcus genus. Echinococcus cyst treatment is possible but it is rather expensive and causes a lot of impact on the overall health of the infected person as well.

What is the Treatment of echinococcosis?

The echinococcus granulosus treatment is possible but it involves expensive surgeries and drug therapy which can stretch over time. Let us understand it in detail -

• Generally, the process starts by taking ultrasound imagery. For Echinococcus liver cyst treatment, ultrasound can be taken more than once. The same is true with the case of Echinococcus granulosus treatment. It allows the doctor to have a clear picture of the infection so they can decide the way forward.
• The first step in treatment is called PAIR in which four steps are done. These are Puncture, Aspiration, Injection, Re-aspiration. Doctors puncture the skin and cyst remove the liquids, and inject the cyst.
• It can be followed by extensive surgical processes to remove the cysts in case PAIR results present a result that makes surgery necessary.
• The surgery is followed by a long time of drug therapy. Anti-infective drugs are given to the person undergoing treatment.
• After this, it just becomes a matter of waiting and watching to see if things work out or if further treatment is needed.

Conclusion

While prevention is always the best possible approach, echinococcus cyst treatment is very much possible and this is a cause of hope and strength for anyone with this problem. Though they have to be ready for a long-drawn treatment regimen, when it all ends, they will get fully cured and be able to live a healthy life. It's important to check if your health insurance covers the costs of such extensive treatments, as it can involve significant medical expenses.

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

Also Read:

• Common Symptoms of Celiac Disease
• Understanding Chronic Kidney Disease Treatment
• Preventing Chronic Obstructive Pulmonary Disease
• How to Prevent Addison's Disease?
• What Causes Addison's Disease?

Giardiasis disease, also called lambliasis is a type of diarrhoeal disease which can be a very concerning health issue, especially if it becomes severe. Its symptoms can cause a lot of uneasiness and discomfort to anyone who gets infected by the Giardia parasite. However, the good part is that giardiasis treatment is not only possible but very simple and easily affordable. Medicines are easily available and are very effective.

What is the Treatment of Giardiasis?

Giardiasis is easily treatable and the process is very simple and non-invasive. You do not have to worry about any painful or costly surgery and in most cases, even hospitalisation is not needed either.

• The most common medicine for giardiasis treatment is Metronidazole. It is a highly effective antibiotic and is known to work well among most people. Its treatment can have rare cases of side effects like a metallic taste in the mouth or a feeling of nausea.
• In case of Metronidazole not being available, the second option for lamblia treatment that is being recommended by doctors is Tinidazole. This is also an effective antibiotic. It can cause side effects like the one above but its advantage is that it can be taken in a single dose.
• Since both the above medicines are available in the form of tables, they are not really a choice for small children. Since a number of children get infected and need lamblia treatment, they are given Nitazoxanide which is available in liquid form.

Conclusion

Just because giardiasis treatment is easily manageable, does not mean that we can act careless with regard to hygiene. As a disease, it can be very inconvenient even if it may not be expensive. Prevention is better than cure so all of us must maintain proper hygiene at all times including washing hands regularly and consuming clean food and water. Additionally, checking if your health insurance covers such treatments can help you stay financially prepared for unexpected medical needs.

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

Also Read:

• Causes of Tularemia Disease
• Lyme Disease Treatment: Antibiotics and Prevention Guide
• Causes of Raynaud's disease
• What is the Treatment for Heart Valve Disease?
• How to Prevent Kidney Disease

Haemophilus influenza is a bacterial disease that causes various infections in the human body. Infections can manifest in multiple forms; these could include infections in the ear, bloodstream, lung, and skin, swelling in the throat, and inflammation of the joint. This ailment affects children up to age 5 and adults who are immunocompromised, like those with specific medical issues.

What is the treatment of Haemophilus?

Haemophilus influenzae treatment depends primarily on the type of infection. The most commonly used h influenzae treatment is antibiotics. Medical practitioners can prescribe antibiotics such as Ceftriaxone, Cefuroxime, and Cefotaxime. Doctors administer antibiotics orally to treat other infections. They include Amoxicillin, Azithromycin, Omadacycline, Lefamulin, Clarithromycin and Cephalosporins. There are certain Haemophilus influenza treatments administered in hospitals, such as the following:

• Breathing support through intubation or face mask oxygen
• Medication for low blood pressure
• Wound care for damaged skin
• Intravenous steroids
• Surgical drainage for septic arthritis

You can prevent Haemophilus influenza disease with HiB vaccine for children under 2 years old. Children can receive the shots in three or four doses. The series of doses is completed between 2 and 15 months.

Haemophilus disease's best prevention method is to get the vaccination. The most commonly used treatment for this disease is antibiotics in the case of adults.

Conclusion

Haemophilus influenzae can turn fatal if left untreated. Hence, timely medical intervention is of primary importance when it comes to the treatment of Haemophilus influenzae. You should immediately visit the hospital when you see any symptoms in your child or yourself of Haemophilus influenzae. Receiving timely Haemophilus treatment increases your chances of survival and recovery. You can prevent unexpected medical expenses for treatment through proper planning and by ensuring you have adequate health insurance coverage to support your needs.

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

Also Read:

• Symptoms of Pelvic Inflammatory Disease
• Diagnosis of Coronary Artery disease
• Treatment of Coronary Heart Disease
• Causes of Peripheral Artery Disease
• How is Coeliac Disease Diagnosed?

Yes, rotavirus is very contagious. It is one of the most common causes of severe diarrhoea in younger children, especially infants. Rotavirus is easily transmitted from one person to another, especially in places like daycare, schools and hospitals where kids are closely confined to each other.

Fever, vomiting, and watery diarrhoea are some symptoms of rotavirus infection, which can also lead to dehydration. Hence, parents ought to know how the disease gets infected and for how long children are infected.

Is Rotavirus Communicable?

Rotavirus is an infection that can easily spread from one person to another. The infected person excretes the viral particles in their stools, with the highest concentration occurring in the acute phase of the illness.

But how long is rotavirus contagious? The rotavirus can survive on surfaces for several days and is easily transmitted to people who might touch a surface or object that has been infected and then touch their face or mouth. Where children congregate, rotavirus is known to spread rapidly within the population, increasing the chances of an outbreak.

How Does Rotavirus Spread?

Let’s learn about how rotavirus is transmitted:

• Rotavirus mainly transmits via the fecal-oral route.
• This virus goes from an infected individual’s stool to another person.
• People can also get it if they come into contact with infected surfaces or handle infected things such as toys and food.
• The lack of clean hands, especially among young children, facilitates infection.
• Inadequate sanitation also leads to its spread.
• Rotavirus can persist on some surfaces for days.

Conclusion

Rotavirus is the most common viral infection among children and infants. It is caused by a direct relationship between infected articles and food. If left unattended, it has the potential to cause severe complications in children. Families must have health insurance to get the appropriate medical attention when required.

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

Do you want to know what is imaging test and its usefulness? Imaging test gives an insight into what is happening inside your body. It helps in diagnosing a disorder and its severity.

Overview of Imaging Tests

Now that you have some idea about what are imaging tests, you may want to know more about their functionalities, including their safety. Most imaging tests are non-invasive, making them relatively safe and painless. An imaging test provides a detailed internal view of your body. These scans can help identify injuries and diseases, thus helping your healthcare provider plan your treatment. Imaging tests may use magnetic fields in MRI, sound waves in ultrasonography, and radiation in computed tomography, angiography, and X-rays.

Conclusion

You now know what is an imaging test and its non-invasive procedure, you can go for such a test without any worries if your doctor has recommended it. You should also purchase health insurance as the costs for most imaging tests are covered by insurance policies.

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.  

Norovirus is very contagious. It is also known informally as the “stomach virus” or the “winter vomiting virus”. But how is Norovirus transmitted? The virus can be passed on by an infected individual even before any of the tell-tale symptoms appear. It can also be passed on for several days after the illness subsides. 

The symptoms are generally seen as vomiting as w, diarrhoea, and abdominal cramps.

Is Norovirus Communicable?

Norovirus is infectious as it can be transferred from one individual to another. It is a leading cause of global gastroenteritis outbreaks and can be contracted through proximity to an infected individual, consuming contaminated food or water, or touching contaminated surfaces.

But how long is norovirus contagious? The virus exists for days on surfaces, so other people can get the illness quite easily when there are lapses in hygiene, such as handwashing. The infectious nature of the norovirus is a cause of worry in groups and epidemic events, as several individuals can be infected within a short period.

How Does Norovirus Spread?

• Through the ingestion of contaminated food or drinks, most probably through raw or undercooked shellfish.
• From a norovirus patient just by direct contact with them, particularly when there is vomiting or diarrhoea.
• By using hands that have touched contaminated surfaces and then wiping lips, nose, or eyes with unwashed hands.
• In places with a high population density and proximity between individuals, the chances of infection increase in leaps.
• Aerosolised vomitus or vomitous mist is particularly emitted during and before vomiting and can spread to people around.

Conclusion

Norovirus has extremely high contagiousness and transmissibility and is quickly spread by the medium of contaminated food, contact, and dirty surfaces.

This virus is especially wicked since an individual can transmit the virus for days after feeling better. Hence, proper hygienic practices and cleaning are very important. Proper sanitation, hand washing, and food safety can avoid norovirus outbreaks. Preventive measures like good hygiene remain the best defence against this highly contagious virus. Check that your health insurance plan covers medical visits related to norovirus, such as hospital stays and consultations. 

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