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.

Yes, pertussis, otherwise known as whooping cough, is very infectious. It is caused by the bacterium Bordetella pertussis and primarily affects the respiratory system. Though it is prevalent in people of all ages, it is particularly fatal to infants and young children. This illness is mostly contagious in its acute stages.

Is Pertussis Communicable?

Pertussis is a communicable disease. It spreads easily from one individual to the other through indisposition, by droplets of secretion from coughs and sneezes. 

But how contagious is whooping cough? If an infected person sneezes or coughs, pathogens can be expelled into the environment suitable for inhalation by someone near the sick person. Once cough onset occurs, those infected by the disease could spread germs for up to two weeks, making initiating containment measures against disease outbreaks critical.

This means that the disease can spread rapidly and outbreaks are prevalent, especially in places where people are relatively close to one another, e.g., schools, daycare homes, and homes. The vaccine is the best way to prevent this infection and the chances of transmission.

How Does Pertussis Spread?

• By being near an infected person, especially in crowded or enclosed spaces.
• Prolonged exposure to someone with pertussis increases the risk of transmission.
• Babies and unvaccinated individuals are particularly vulnerable to contracting the disease.

Conclusion

Pertussis is one of the most contagious communicable diseases. The infection can be transmitted via droplets. Knowing how is pertussis transmitted helps implement the correct prevention measures, such as immunisation, which is the best way to prevent whooping cough.

Remember to get a health insurance policy to cover 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 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.

Mumps, which affects the salivary glands, is a common contagious disease. It often causes swelling in the throat. Mumps can primarily affect children but is now under control due to a surge in vaccination. “Is mumps contagious?” is a common question that people ask. It can be tricky to understand if someone has mumps because most affected individuals do not show any symptoms.

Is Mumps Communicable?

Is mumps a communicable disease? Yes, it is. Mumps is easier to spread to those who are not vaccinated. It usually has the potential to infect people even before showing any symptoms, making it difficult to isolate them. Once the face swelling starts, the chances of spread are much higher. This chance remains at its optimum high nine days after the face starts swelling.

How Does Mumps Spread?

Now that you know mumps can spread, it is also crucial to ascertain how mumps spread. Respiratory droplets are a pertinent medium of mumps spread.

•     Touching Contaminated Surface: Touching a spot that has respiratory droplets and then touching your face or nose is the most common way for mumps to spread.
•     Keeping Close Contact: Mumps can also spread very easily through close contact. The release of the virus becomes a primary cause, and it can happen when an individual sneezes or coughs. Being in the same space and inhaling the air can lead to the easy spread of mumps.
•     Direct Contact: If you use the same utensils that were previously used by a person infected with mumps, it can lead to infection via saliva.

Conclusion

Now that you know how mumps is transmitted, it is important to be more vigilant. The best way to get rid of infection is to avoid close contact with those who have mumps or show signs. Sharing items or even surface contact is the most common method of the disease's spread. Remember to get health insurance to cover 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 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.

Yes, measles is very contagious, and the rate of spread is also quite fast. You might notice people asking, "Is measles a contagious disease?" Well, it is and can get worse if the affected individual is not isolated. During the first week, the chances of spread are higher, and hence, extra attention is important. Areas with low vaccination rates are often more susceptible to measles.

Is Measles Communicable?

Measles is indeed communicable, and the primary mode of transmission is through respiratory droplets. These droplets, released when an infected person coughs or sneezes, are the main culprits in spreading the virus.

The virus can stay in the air for a minimum of two hours. Such high longevity makes it easy for the virus to spread. The chances of spreading in closed spaces like offices or schools are higher.

How Does Measles Spread?

Do you want to know how measles is spread via air? Some of the most common ways that measles spread are:

• When someone with measles sneezes, releasing the droplets into the air.
• An individual who inhales the same air can get infected.
• Even if there is no direct contact, measles can spread if someone is touching a surface that is contaminated.
• Touching your face, eyes, nose, or mouth with contaminated hands can spread measles.

Conclusion

Measles, a contagious disease spread through the air, can infect both children and adults. Understanding how measles spreads is key to effectively managing the disease and preventing its spread. Get health insurance to safeguard yourself financially when infected with a disease.

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.

It is necessary to know about mental health disorders, like borderline personality disorder (BPD), in order to manage them. In this blog, we will describe the process of testing for borderline personality disorder and present easy and concise information on the borderline personality disorder diagnosis and how to take the test.

Borderline Personality Disorder Diagnosis

Borderline personality disorder diagnosis is usually carried out by a healthcare professional after a detailed evaluation. This assessment comprises an interview to identify symptoms, medical history, and an account of the patient’s illness. The diagnosis for BPD is made according to the DSM-5, which has clear-cut criteria that should be met.

In particular, a correct BPD medical diagnosis is critical in treatment procedures. It aids in the prognosis of the disease and knowledge about it.

Take the Borderline Personality Disorder Test

Taking a borderline personality disorder test is a giant leap to getting to know more about your mental health. These tests are usually questionnaires that seek to measure conditions and behaviours linked to BPD. Here’s what you can expect:

Self-assessment: You will be asked questions about how you feel, think, and do. This is useful for identifying patterns that, if revealed, might indicate BPD.

Professional evaluation: Following the self-assessment test, a mental health care provider will analyse your responses and then proceed to an interview. This evaluation is critical when diagnosing a patient with borderline personality disorder.

Medical history: It is crucial to describe all previous conditions and diseases. Many of the symptoms overlap with other psychiatric conditions, and this assists in excluding competing explanations and confirming the BPD medical diagnosis.

These tests are supposed to be simple and uncomplicated. Their purpose is to offer a coherent image of your condition and help the health professional make the correct BPD diagnosis.

Knowing or learning about mental health status assists in empowering the patient and looking for the right treatment.

Make sure your health insurance policy includes mental health treatment costs.

Conclusion

The process of testing for borderline personality disorder involves several steps, including self-assessment and consultation with a specialist. A proper borderline personality disorder diagnosis is vital to meet the requirements of the therapy process. Ensure your health insurance policy includes mental health services so you can seek the appropriate financial help.

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 - 03 Feb 2026

The body produces creatinine as a waste product due to regular muscle tissue breakdown and food protein digestion. Generally, this waste travels to the kidneys via the blood and is excreted in urine. But a high level of creatinine can be a sign of poor functioning of the kidneys, while a low level indicates low muscle mass.

Healthcare professionals generally conduct the creatinine blood test to diagnose kidney-related illnesses. So, what is the ideal range of creatinine in men and women, and what are the factors that affect these levels? This blog overviews the creatinine level ranges, factors that increase/reduce them and the symptoms to identify.

What are creatinine levels?

Creatinine is a waste product formed when creatine phosphate breaks down in the muscles. It is removed from the body by the kidneys, making its level a key marker of kidney function. Healthy kidneys maintain stable creatinine levels, although the normal range can vary depending on age, sex and muscle mass.

Results for normal creatinine level

The normal creatinine level for men is between 0.7 and 1.2 milligrams per decilitre (mg/dL), and for women, it is between 0.5 and 1.1 mg/dL. Here is a comparison of normal, high, and low creatinine level values for men and women:

Factors that affect creatinine levels

Both high and low creatinine levels in the body are dangerous. Let’s look at the factors that affect them:

High creatinine levels

Here is why the kidney may have a high level of creatinine:

• Chronic illness: Damaged kidneys have trouble excreting creatinine from the blood and end up storing it. That’s why doctors use the creatinine level test to ascertain if the patient is suffering from a kidney disease.
• Increased protein consumption: The diet affects creatinine levels in the body. A protein-intensive diet can cause high levels of it in the body.
• Kidney obstruction: Several problems, like a kidney stone and an enlarged prostate, can obstruct the kidney’s functioning. It results in urine blockage and ultimately affects the kidneys’ ability to function properly.
• Strenuous exercise: Creatinine helps produce muscle energy, and an intense workout can increase its levels in the blood.

Low creatinine levels

A lower-than-normal level in your bloodstream is caused due to:

• Pregnancy: Pregnancy increases urine production and quicker creatinine excretion. It ultimately reduces the creatinine level in the blood.
• Rapid weight loss: Extreme weight loss leads to a decrease in muscle mass, ultimately affecting the creatinine levels in the body.
• Low muscle mass: Muscle breakdown produces creatinine. So, low muscle mass can directly impact its production.

Symptoms of abnormal creatinine levels

The symptoms of creatinine levels depend on whether they are more or less than the normal range.

Signs of high creatinine levels

High creatinine usually indicates reduced kidney function. Common symptoms include:

• Swelling in the legs, ankles or around the eyes
• Fatigue and weakness
• Nausea or vomiting
• Changes in urination, such as reduced or foamy urine
• Shortness of breath (due to fluid build-up)
• Confusion in severe cases

Signs of low creatinine levels

• Lack of strength or difficulty in exercising
• Fatigue and nausea
• Fluid retention
• Rapid weight loss

Health insurance coverage for kidney function tests and treatments

An increase or decrease in the creatinine levels can affect kidney functioning. That’s why several healthcare professionals recommend a test for timely diagnosis and effective treatment. However, a kidney-related treatment can be expensive, and not everyone is ready for it. That’s why, ensure that your health insurance policy covers basic kidney function tests and related treatments. A comprehensive medical insurance helps you be financially secure in times of need.

Conclusion

It is essential to maintain a normal creatinine level. When creatinine clearance is low, creatinine builds up in the blood. On the other hand, high levels indicate poor kidney functioning and deteriorating health. While you may not be able to control the creatinine levels by yourself, regular full-body checkups can help diagnose the problem in the early stages.

Once detected, the treatment can be costly. That’s where the critical illness insurance helps. It acts as a backbone during your blood tests, consultations and treatment courses. Taking care of your wellness is one step away with us. Fill out the form on the page to receive personalised guidance on health insurance.

FAQs

1. What do low creatinine levels mean?

A low level indicates reduced muscle mass, malnutrition, or liver disease in certain cases. It is best to consult a healthcare professional to diagnose the problem.

2. What is the ideal range of creatinine levels in men?

The normal range of creatinine is between 0.7 and 1.2 mg/dL for males and between 0.5 and 1.1 mg/dL for females.

3. Can drinking excess water lower creatinine?

Yes, staying hydrated can help improve the creatinine levels in your body.

4. When should you worry about creatinine levels?

You should worry when the creatinine levels are consistently higher than the normal range. It indicates potential kidney problems.

5. What are the symptoms of a high creatinine level?

The symptoms include a change in urination frequency, fatigue, swelling and shortness of breath.

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 - 05 Jan 2026

Healthy lungs are important for delivering oxygen to the body and removing carbon dioxide, which keeps all organs functioning properly. To ensure the lungs are working efficiently, doctors use pulmonary function tests (PFTs), which assess how well the lungs perform these essential tasks. These tests are particularly important for identifying respiratory conditions such as asthma, chronic obstructive pulmonary disease (COPD) and pulmonary fibrosis before they progress.

In addition, PFTs allow healthcare providers to track changes in lung function over time and determine whether treatments are effectively improving respiratory health. Let’s take a closer look at the purpose, different types and key benefits of PFT tests.

PFT test meaning

A pulmonary function test (PFT) is a non-invasive procedure that measures various aspects of lung performance. It evaluates lung volumes, airflow and the efficiency of gas exchange, providing detailed insights into how the lungs respond during different activities. PFTs can also help identify patterns of lung impairment, distinguish between obstructive and restrictive conditions and assess the impact of environmental or occupational exposures. This information helps doctors understand the type of lung problem and decide the best treatment for each person.

Types of pulmonary function tests

Here are the different types of pulmonary tests performed to determine your health status:

1. Spirometry

The patient must breathe into a mouthpiece connected to a machine called a spirometer. It measures the amount breathed in and out, as well as breathing speed. This lung function test helps measure the efficiency and capacity of the lung airways.

2. Plethysmography

In this test, the patient is made to sit or stand in an airtight box. The box records the measurements of air volumes in the lungs after a deep inspiration and the amount left behind after a complete exhalation, giving a reading concerning the total lung capacity.

3. Diffusion capacity tests

Diffusion capacity tests measure how efficiently gases, such as oxygen, move from the lungs into the bloodstream. These tests are important for evaluating overall lung function and can help detect conditions that affect the lung’s gas exchange, such as pulmonary fibrosis, emphysema or other interstitial lung diseases.

4. Cardiopulmonary exercise tests

The test determines how well your lungs function when active. You may be asked to walk for a few minutes. Afterwards, the healthcare professional monitors the oxygen level you require for this activity and the distance you can cover in that specific time.

Why is a PFT test done?

There can be several reasons a healthcare professional may advise you to take PFT tests. Sometimes it is a part of the routine, while other times it is used to diagnose the cause of your lung-related symptoms. The reasons include:

• Asthma
• Work environment, like coal mines and graphite factories
• Lung infection
• Breathlessness
• Long-term lung conditions, like bronchitis and emphysema
• Disease caused due to inhaling asbestos fibres
• Airway problems like inflammation or lung scarring
• Sarcoidosis
• Scleroderma

At times, PFT is also conducted before a surgery or a lung-related routine procedure.

Conditions detected by PFT tests

PFT is used to assess several respiratory ailments and detect the following conditions in a patient:

1. Asthma

The test identifies obstruction in reversible airflow, i.e., asthma. This medical condition may make it tough for you to breath and lead to problems like cough, chest tightness and wheezing.

2. COPD

Chronic obstructive pulmonary disease occurs when the airway or lungs are damaged, making it tough for you to breath. This problem can lead to chronic bronchitis or emphysema.

3. Bronchiectasis

The airway is stretched or widened, leading to bronchiectasis. Healthcare professionals perform PFT tests to diagnose this problem.

4. Sarcoidosis

It is an inflammatory disease where granular lumps form in the lungs or lymph nodes. This formation interferes with the normal functioning of the organs.

5. Pulmonary fibrosis

Your lungs are scarred, making it difficult for them to expand. Ultimately, your body doesn’t get enough oxygen and can become adverse over time.

6. Lung damage

PFT can assess if your lungs are affected due to work conditions or exposure to certain chemicals.

Does health insurance cover pulmonary tests and treatment?

Most health insurance policies may cover pulmonary function tests if they are recommended by a doctor. Plans such as critical illness insurance could cover related treatments if the condition falls under the policy terms. It is important to review your policy carefully to understand coverage details, waiting periods and exclusions, so you can plan for any necessary medical expenses.

Conclusion

Pulmonary function tests are generally performed when you have airway or lung-related symptoms like chest tightness, coughing, shortness of breath or wheezing. The professional may advise you to undergo a PFT test even if you have no symptoms. It can be a part of your regular health check-up. Therefore, it is advisable to get a comprehensive medical insurance that covers basic tests like the PFT.

While you take care of your health, let us be your dependable partner to cover its expenses. Fill the form on this page to receive personalised guidance tailored to your needs.

FAQs

1. Are PFT tests safe?

PFTs are generally safe, but you may feel dizzy or lightheaded due to deep breathing. These side effects are expected to go away shortly after the test.

2. How is a PFT test performed?

The test is relatively simple, and consists of a clear airtight box, a mouthpiece, soft nose clips and an electronic machine to measure the airflow.

3. What happens during a PFT test?

During a PFT, you breathe into a mouthpiece connected to a machine. The test measures how much air you can inhale and exhale, how fast you breathe and how well your lungs transfer oxygen to your blood.

4. What are the risks associated with the PFT?

Pulmonary function tests are generally safe. Some people may feel lightheaded, cough or feel short of breath during the test. Serious complications are very rare.

5. What is the normal range of a pulmonary function test?

The normal range for a PFT is that the (Forced Expiratory Volume in 1 second) FEV1 and FVC (Forced Vital Capacity) should be 80% or more.

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 - 05 Feb 2026

Triphala, an age-old herbal antidote from Ayurvedic medicine, has earned massive popularity in contemporary years owing to its multiple health advantages. Comprising three different fruits: Amalaki (Emblica officinalis), Bibhitaki (Terminalia bellirica) and Haritaki (Terminalia chebula), Triphala delivers a holistic path to health. Loaded with powerful antioxidant and anti-inflammatory properties, Triphala has been known to help digestion, boost detoxification, improve immunity and enhance general well-being.

The blog outlines the recommended daily intake of Triphala and cautions against excessive consumption.

What is the right dosage of Triphala?

Deciding on the dosage of Triphala can sometimes be confusing. That is because it depends on several aspects, including an individual’s age, fitness state and expected results. The following is the suggested dosage of Triphala, which is vital for safe and practical use.

Triphala powder dosage:

For individuals wondering about Triphala powder dosage, it is generally recommended to start with a small dosage and gradually increase it over time. A standard recommended amount varies from 2 to 4 grams twice daily. At the same time, those with acute conditions are advised to increase it to 4 to 5 grams. Splitting and consuming these Triphala powder dosages before the main meals can be helpful. This permits adequate absorption and assimilation of the herbs into the body.

Triphala tablets dosage:

If you want to consume the Triphala tablets, the same might differ depending on the label and concentration. Taking 1 to 2 tablets with warm milk or water twice daily is generally advisable. Nevertheless, it is essential to carefully read the instructions provided by the manufacturer and consult a healthcare specialist for personalised advice.

What are the factors influencing Triphala dosage?

The recommended dosage of Triphala depends on multiple factors, including:

• Reason for consumption: This Ayurvedic supplement is generally used to regulate bowel movement, body detox and overall well-being. So, how much you are consuming should be cohesive with the intended purpose.
• Age: The dosage for children should be less than that for adults. In either case, it is advisable to consult a healthcare professional before consuming the medicine.
• Tolerance and sensitivity level: The body of every individual reacts differently to herbal supplements. Therefore, it is advisable to begin with a lower dosage and adjust your usage according to the experience.

Does health insurance cover side effects for herbal supplement use?

A health insurance policy may cover the treatment of side effects caused by herbal supplements like Triphala, but only when the reaction is severe enough to require medically necessary hospital care. The policy does not cover the cost of the supplement itself, but if the supplement leads to a complication such as dehydration, allergic reaction, severe diarrhoea or electrolyte imbalance, and a doctor recommends hospitalisation or emergency treatment, the expenses for that treatment can be considered for a claim.

Coverage depends on the terms of the policy, the diagnosis made by the doctor and the medical records showing that the treatment was necessary. Mild side-effects managed at home or with self-care are generally not claimable, as they do not fall under hospitalisation or prescribed medical intervention.

Furthermore, benefits can differ based on the chosen plan under a policy. Some plans also include AYUSH coverage or additional riders that support treatment through Ayurveda-based hospitals or therapies. Since insurers offer several plans like individual health insurance, critical illness insurance and senior citizen insurance, you can choose an option that aligns with your medical needs, especially if you regularly use herbal or natural supplements.

Conclusion

Including Triphala in your daily ritual can be a game-changer for general health and well-being. However, understanding the correct dosage is crucial to increasing its effectiveness. Whether you prefer Triphala tablets or powders, remember to begin with a lower dosage and talk to a healthcare specialist for personalised advice. Taking care of your overall health starts by being cautious. So, keep this in mind if you want to add Triphala to your medication.

Along with being alert to today’s conditions, it is essential to be prepared for future uncertainties. If you need guidance related to insurance plans, fill out the form provided on this page.

FAQs

1. When is the ideal time to take Triphala?

The suitable time to take the supplement is on an empty stomach in the morning and 30 minutes before sleeping at night.

2. Should you consume the Triphala tablets or powder?

The right approach depends on your convenience and sensitivity to taste.

3. Can you take Triphala in the long run?

Yes, you can consume Triphala for a long time, provided it is in moderation and according to the doctor’s recommended dosage.

4. Can your body become habituated to Triphala?

No, Triphala is a mild bowel regulator and isn’t habit-forming.

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.

Triphala is a Sanskrit word in which “Tri” means three and phala means “fruits”. Triphala is an Ayurvedic herbal remedy, commonly known for its anti-inflammatory and digestive properties, which is made up of three herbs, Amalaki, Haritaki and Bibhitaki, that is used in various forms to treat various ailments and improve overall health. These three medicinal dried fruit herbs make up the Triphala extract, which can be used in Rasayana medicine by ayurvedic practitioners. In this article, we’ll explore the types of Triphala available.

What are the Types of Triphala?

There are several different forms of Triphala readily available in markets. These include:

• Powder form: 

This is the most easily available form of Triphala made with three dried fruits- Haritaki, bibitaki, and amlaki in a powdered form, is widely used in health and supplement stores, ayurvedic centres, and pharmacies.  As per research, it is advisable to take Triphala powder mixed with ghee, honey, or milk.

• Tablet form: 

Triphala can be used in the form of tablets that are typically made from a concentrated extract of the three fruits. The Triphala tablet form is a convenient and easy way to take Triphala extracts in tablet form on a regular basis to get the full benefits of the remedy. 

• Liquid extract: 

Triphala can also be taken in concentrated extract liquid form that is made by combining the powder with water and boiling it. This concentrated form of liquid is more potent and can be consumed in smaller doses than powdered or tablet forms.

• Capsule form: 

Triphala capsules come in various proportions of doses that make it easier to consume as per the requirements.

Conclusion

Triphala is an effective herbal remedy that is available in various forms to help balance the three doshas in the body. You can purchase Triphala powder, capsules, tablets and liquid from vitamin supplement stores, but before consuming them, it is important to note that no supplement is intended to cure or treat any disease, and you should consult your doctor before taking any supplement related to Triphala for any medicinal purposes. Health insurance can cover consultations with healthcare providers who can offer guidance on the safe use of herbal remedies like Triphala.

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.

TPA, or Third-Party Administrator, is an agency or organisation that holds a registered license from the Insurance Regulatory and Development Authority of India (IRDAI) and handles some of the most important aspects of health insurance. It does so by working as intermediates between an insurance company and the insured. The prime services of TPA include processing health insurance claims and providing their clients best of services like cashless facilities, accepting requests and much more. Read on to explore the advantages of TPA in health insurance.

What are the Advantages of TPA in Health Insurance?

The advantages of TPA in Health Insurance are mentioned below:

1. Issues health cards to the policyholders:

TPA’s are responsible for providing ID cards to the policyholders. The health card will help the insured person to show up to the network hospital to avail of cashless treatment.

2. Coordinates with the policyholders: 

TPA’s are responsible for providing the insured persons with all benefits mentioned in the health insurance policy by directing them to hospital personnel so that the insured person can avail treatment in the best possible way without hassle.

3. Issue authorization letter to the hospital: 

Once a policyholder or an insured person files a claim, the TPA is responsible for verifying the claim mentioned that meets the terms and conditions of the policy. The TPA Mediclaim will ensure the policyholder gets the best treatment from a network hospital and help to avail cashless treatment.

4. Arrange value-added services: 

Apart from the claim processing, a TPA is also entitled to deliver services like availability of beds, specialised consultation, wellbeing programmes, and medicine supplies.

5. Strengthens the hospital networks: 

A Third Party Administrator (TPA) Mediclaim builds a strong network with the management team of hospitals that looks after health insurance claims and provides full assistance to insured persons to avail best possible treatment and later facilitates claim settlement without any hassle.

Conclusion

TPAs are an integral part of health insurance companies that help a policyholder take care of the family during treatment in peace. TPAs also ensure that their customers have access to the highest quality of service and support them physically and mentally. TPA ensures good networking with hospitals and provides hassle-free services to their clients.

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.