Peppermint oil is a powerhouse of natural benefits. This essential oil has been used for centuries in traditional remedies. Today, it's gaining popularity for its wide range of uses, from soothing digestive issues and easing headaches to supporting skin health. In this blog, let us discover the uses of peppermint oil.

Peppermint oil uses

Here are a few peppermint oil uses:

• Helps with digestion

Peppermint oil is best known for helping with stomach issues. It can ease symptoms of bloating, gas and discomfort.

• Soothes headaches and body pain

Thanks to its cooling effect, peppermint oil can give quick relief from headaches and sore muscles. Rubbing a bit of diluted oil on your temples or neck may reduce tension headaches.

• Eases cold and sinus symptoms

The menthol in peppermint oil works like a natural decongestant. Inhaling peppermint oil through steam can help clear blocked noses and ease sinus pressure during colds.

• Good for hair and scalp

Peppermint oil has a soothing effect that can help with dandruff and itching when mixed into shampoos or oils.

• Calms itchy skin

If you’re dealing with itchy skin or irritation, diluted peppermint oil can help. Its cooling effect can reduce the urge to scratch and calm the skin.

• Supports oral health

Peppermint oil is often found in toothpaste and mouthwash because it fights bad breath and has antibacterial properties.

Who shouldn’t use peppermint oil?

Peppermint oil is beneficial, but it’s not safe for everyone. It should be avoided in infants and young children, as it can cause breathing issues. Pregnant or breastfeeding women should consult a doctor before use. It can also interact with certain medications. Those with sensitive skin should do a patch test first, as it may cause irritation. As with most uses for peppermint essential oil, it’s important to always dilute it with a carrier oil and avoid contact with the eyes and inner to ensure safe application.

Conclusion

Peppermint oil can be a simple, natural way to support your overall well-being. Just as we take care in choosing remedies that support our health, selecting the right individual health insurance plan is just as essential. Whether you're managing everyday wellness or preparing for unexpected medical needs, health insurance gives you the peace of mind and protection you deserve.

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

In the ever-growing world of skincare, natural remedies are making a comeback. One of them is tea tree oil that has been a staple in skincare since centuries. This essential oil has earned a reputation as a powerful, multi-tasking solution for a variety of skin concerns. Let’s explore how this plant-based oil can transform your skin.

Advantages of tea tree oil on face

Here are the tea tree oil benefits for skin:

• Fights acne

Benefits of tea tree oil on face can help keep pimples and breakouts under control. It targets the bacteria that cause acne and calms redness or swelling.

• Controls oiliness

If your skin tends to get oily, tea tree oil can help balance oil production, leaving your face feeling fresh, not greasy.

• Soothes irritation

Its natural anti-inflammatory properties can help calm itchy, irritated or inflamed skin, making it useful for sensitive or reactive skin types.

• Helps combat infections

It’s often used to manage fungal infections like athlete’s foot and toenail fungus due to its antifungal properties.

• Supports healing of minor cuts or blemishes

Tea tree oil can help protect small cuts or blemishes from infection and may speed up healing while reducing the chance of scarring.

FAQs

• Can tea tree oil be used daily on the face?

It depends on your skin type.. Always monitor how your skin reacts and reduce frequency if you notice irritation.

• Does tea tree oil expire?

Yes, like all essential oils, tea tree oil has a shelf life. It may lose effectiveness and could irritate the skin once it expires.

• Is it safe to mix tra tree oil with other skincare products?

Tea tree oil can be safely mixed with moisturisers, serums or masks. However, avoid combining it with products containing AHA/BHA or retinol, as it may cause irritation or dryness.

Conclusion

There are various advantages of tea tree oil on face—from fighting acne to soothing inflammation and promoting overall skin clarity.

While taking care of your skin externally is important, don’t forget the role of overall health in maintaining healthy skin—especially as we age. Just as you choose the right products for your face, selecting the right health insurance plans is essential for long-term wellness. For older adults, exploring options like senior citizen health insurance can provide peace of mind and support for both preventive and ongoing care 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.

If you have kidney problems, following a renal diet is one of the best things you can do to protect your health. This helps reduce the workload on your kidneys and prevents further damage. This blog tells you about the renal diet, its benefits, side effects, food choices and helpful tips to incorporate the diet smoothly into your routine.

What is the purpose of a renal diet?

The purpose of a renal diet is to limit certain nutrients so that your kidneys do not have to work hard. If your kidneys are not functioning properly, it will be tough to flush waste from your blood. By including this diet in your routine, it can help your kidneys stay healthy. By following a renal diet, you control the intake of:

• Sodium (salt)
• Potassium
• Phosphorus
• Protein

What are the benefits of renal diet?

A renal diet for kidney disease can make it easier to handle issues like high blood pressure or diabetes. Below are the benefits of renal diet:

• Slows down kidney damage.
• Reduces swelling, high blood pressure and fluid build-up.
• Helps you avoid heart problems or bone disease.
• Improved energy levels.

Renal diet plan side effects

By working with your healthcare team, you can prevent or control the side effects of the renal diet. You should ask your dietitian or doctor before changing your diet. Although a renal diet plan is very helpful, it may cause some side effects at first:

• Tiredness because of lower protein intake.
• Changes in your appetite or weight.
• You could experience constipation due to fibre changes.
• Feel dehydrated if fluid restrictions are too tight.

Foods to include in your renal diet menu plan

The renal diet example mentioned below is easier for your kidneys to handle and helps you feel satisfied and energised. Some renal diet foods are:

• Apples, berries, grapes and peaches
• Cauliflower, cabbage and bell peppers
• White rice, pasta and white bread
• Chicken, turkey and eggs (small amounts)
• Olive oil and unsalted butter

What food should you avoid during a renal diet plan?

Reducing these foods protects your kidneys and keeps you feeling your best. Foods having high potassium, phosphorus and sodium must be avoided in renal diet meal plan, like:

• Processed meats like bacon and sausage
• Canned soups and salty snacks
• Bananas, oranges and tomatoes
• Potatoes (unless you leach them first)
• Dairy products like cheese and milk
• Dark-coloured sodas
• Whole grains that are high in phosphorus

How to create a renal diet menu plan

You can follow these few easy steps:

• Asking your doctor or dietitian will help you know how much sodium, phosphorus and potassium should be taken.
• Concentrate on the food you can eat.
• Combine fruits, vegetables, grains and proteins wisely.
• Smaller portions mean less work for your kidneys.
• Eating at home and reducing phosphorus and salt.

Tips for following a renal diet

Here are some renal diet tips:

• Low-sodium and low-phosphorus options.
• Avoid processed foods.
• Drink the recommended amount of fluids.
• Instead of salt, use garlic, lemon and herbs for flavour.

FAQs

• Will I lose weight on a renal diet?

People can lose weight with a renal diet, and it also depends on their bodies.

• Can I still enjoy snacks?

You can enjoy eating snacks that are included in your diet plan by your dietitian.

• Who would benefit from a renal diet?

A renal diet benefits individuals with chronic kidney disease, dialysis patients and those with conditions like high blood pressure or diabetes, helping to slow kidney damage and manage symptoms.

• What is a good breakfast option for a renal diet?

Oatmeal, made with water or rice milk, topped with fresh blueberries or sliced apples. A slice of white toast with unsalted butter or low-sodium jam, along with herbal tea or a small cup of black coffee.

• Can I consume milk in a renal diet?

Dairy alternatives such as unenriched rice milk and almond milk are lower in potassium, phosphorus and protein compared to cow’s milk, making them suitable substitutes for individuals following a renal diet.

Conclusion

If you have kidney issues, following a renal diet can be helpful. Besides eating right, it is also essential to invest in proactive measures to secure your finances during uncertain times. Invest in a health insurance policy, including critical illness insurance, ensures coverage for medical emergencies such as hospitalisation, doctor consultations, specialised treatments, medications and more, providing peace of mind in times of need.

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.

According to widespread belief, the General Motors diet plan might help you shed as much as 6.8 kg in an incredibly short span, i.e., a week. According to various claims, General Motors Corporation originally crafted this rigorous plan to ensure employee health and well-being. However, researchers and practioners have had conflicting opinions about the effectiveness and safety of the 7 day GM diet.

This article sheds light on the GM diet plan’s details, benefits, side effects, and more.

What is the purpose of GM diet?

The GM diet program is supposed to help you burn fat and lose weight very fast with no negative impact on energy level and mood. The diet’s purpose is to create a calorie scarcity in your body, which means the number of calories you take in is fewer than what you burn.

What are the benefits of GM diet?

Besides facilitating weight loss, this is how the GM diet benefits followers:

• Meals include more fruits and vegetables, which are low-calorie, high-fibre, and keep you full for long.
• Getting rid of foods that are processed, made from refined carbohydrates, or contain added sugars lowers your risk of developing diabetes, obesity, and cardiac ailments.
• Since the GM diet plan involves ample hydration, some followers claim it detoxifies the body.
• Though unsupported by research, benefits might include better mood, enhanced skin quality, and improved metabolism.

GM diet plan side effects

Though it might seem exciting to lose a considerable amount of weight in just 7 days, many health professionals warn against the various GM diet side effects:

• Lack of enough protein in the 7 day GM diet might make you feel hungry frequently.
• Not enough healthy fats might negatively affect your blood cholesterol level.
• Low amounts of calcium, iron, and vitamin B12 might adversely affect other bodily functions.
• Weight loss might be temporary since the GM diet doesn’t focus on long-term healthy cooking habits, exercise, or lifestyle changes.
• You might experience muscle weakness or headaches.

Foods to include in your GM diet menu plan

Each day of the General Motors diet plan focuses on a certain food group or food. The diet encourages you to consume:

• Vegetables
• Fruits
• Milk
• Meat or cottage cheese
• Soy milk is allowed in place of regular milk

You must also specifically avoid sweeteners.

What foods should you avoid during a GM diet plan?

The GM diet plan prohibits the following:

• Foods made from refined carbohydrates
• Processed foods (e.g., chips, ice cream, biscuits)
• Items with added sugar (e.g., sodas, candy, sauces)
• Alcohol
• Beans

How to create a GM diet menu plan

Here are the guidelines for every day of the GM diet program, so you can create a menu plan easily. 

Day 1

• Consume only fruits and a wide variety (no limit on quantity)
• Avoid bananas
• Eating melon might accelerate weight loss

Day 2

• Eat only raw or cooked vegetables (no limit)
• Have potatoes only for breakfast

Day 3

• Enjoy all fruits and vegetables (no maximum amount) except potatoes and bananas

Day 4

• Consume 3 glasses of milk (preferably skimmed)
• Apart from milk, you may only consume bananas, but not more than 8 small or 6 large ones

Day 5

• Consume fish, chicken, or meat (5 grams roughly)
• Cottage cheese can replace meat for vegetarians
• To wash out excess uric acid from the intake of protein, drink more water than usual
• Additionally, you can only eat 6 tomatoes (whole)

Day 6

• Follow day 5 guidelines except the last one
• You can consume an unlimited amount of any vegetable except potato

Day 7

• Have only brown rice, vegetables, fruits, and fruit juices (unsweetened)
• There is no limit on the quantity

Tips for following a GM diet

Be mindful of these GM diet tips to maximise the benefits and minimise risks:

• Avoid deep-frying vegetables and meats, and keep seasoning to a minimum.
• Drink enough water throughout the day to avoid tiredness and boost digestion.
• You can engage in yoga for the first 3 days and then start exercises like walking or light-intensity cardio.
• On any day of the diet, to satisfy hunger pangs, consume ‘wonder soup’– a mix of celery, cabbage, tomatoes, carrots, and pepper.
• To sustain the loss in weight after completing the GM diet plan, take meals that are low in carbohydrates but high in protein.
• Consult a physician before starting the diet, and keep individual health insurance handy for emergencies. That way, you will be covered for specific needs.

FAQs

• How much weight is it possible for me to lose with a GM diet plan?

It is believed that you can lose up to 6.8 kg within 7 days by following this diet plan.

• What foods can I have when following the General Motors diet plan?

You can have vegetables, fruits, meats, milk as well as unsweetened green tea and coffee.

• What do I need to prepare the GM diet wonder soup?

Besides carrots and tomatoes, you can use celery, cabbage, as well as pepper to make the soup.

Conclusion

In a nutshell, the GM diet plan involves the consumption of different foods on different days. The stringent diet plan offers both advantages and disadvantages, so it's necessary to exercise caution. As per some claims, benefits include weight loss, healthier eating, detoxification, better metabolism, improved skin, and elevated mood. Side effects might include temporary weight loss, nutritional deficiencies, weakness, and headaches.

Seek advice from a healthcare specialist before you choose to go on the diet. They can assess various health parameters and decide if the diet is right for you. Make sure your medical insurance is updated and comprehensive to stay financially covered for check-ups and emergencies.

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.

What you eat has a significant impact on how you feel each day. An anti-inflammatory diet can aid in minimising body inflammation, lower the chances of chronic health conditions and improve your overall physical well-being. By making informed food choices and adopting simple lifestyle changes, you can take appropriate steps toward better health. This blog will help you get started and stay on track with an anti-inflammatory way of eating.

What is the purpose of anti-inflammatory diet?

The purpose of this diet is to reduce inflammation in your body. Inflammation is a natural response that occurs when the body works to fight infections or repair injuries.

However, once it becomes chronic, it can lead to conditions such as diabetes, arthritis and other health complications. Following this diet can improve your immune system and support the body’s natural healing processes.

What are the benefits of anti-inflammatory diet?

There are various health benefits of anti inflammatory diet:

• Reduced joint pain: Helps ease stiffness and discomfort by lowering inflammation in joints.
• Improved digestion: Supports a healthier gut and reduces symptoms like bloating or indigestion.
• Higher energy levels: Provides steady energy by balancing blood sugar and reducing fatigue.
• Clearer skin: Minimises skin flare-ups by calming internal inflammation.
• Aids in weight management: Encourages balanced eating habits that support a healthy weight.
• Promotes long-term wellness: Lowers the risk of chronic diseases and supports overall vitality.

Anti-inflammatory diet side effects

Most people experience only positive changes when they start an anti-inflammatory diet. However, you might notice some small side effects of anti inflammatory diet, especially if you drastically cut out processed foods:

• Headaches : Mild headaches may occur as your body detoxes from processed foods.
• Increased hunger: You might feel hungrier than usual as your body adapts to lighter, whole foods.
• Mood changes: Temporary irritability or mood swings can happen during the adjustment phase.

These symptoms are typically brief and fade within a few days as your system adapts to healthier eating. However, it is always best to consult a healthcare professional before changing your diet.

Foods to include in your anti-inflammatory diet menu plan

You can include a range of foods to eat to decrease inflammation. Foods that lower inflammation in the body are:

• Broccoli, spinach, oranges and berries.
• Brown rice, oats and quinoa provide important fibre.
• Olive oil, avocados and nuts help reduce inflammation.
• Foods that are rich in omega-3 fatty acids.
• Foods that offer plant-based protein and fibre.
• Turmeric, ginger and garlic have natural anti-inflammatory properties.

What food should you avoid during an anti-inflammatory diet plan?

Below are the inflammatory foods to avoid during the diet:

• Packaged snacks, fast food and sugary drinks
• White bread, pastries and cereals
• Bacon, sausages and beef
• Fast foods
• Excessive alcohol

How to create an anti-inflammatory diet menu plan

Planning your meals helps you avoid unhealthy choices during busy days. Creating a diet to reduce inflammation offers significant benefits for your overall health. Here’s a simple way to build yours:

• Fill half your plate with colourful vegetables and fruits at each meal.
• Swap white bread and pasta for brown rice, oats or quinoa.
• Include fish, chicken or plant-based proteins like beans.
• Drizzle olive oil on your salads or cook with avocado oil.
• Season your meals with turmeric, ginger and cinnamon instead of heavy sauces.

Tips for following an anti-inflammatory diet

Tips for anti inflammatory diet meals are:

• Spend a little time each week to plan what you will eat.
• Only get groceries related to your diet.
• Wash and cut fruits and veggies in advance.
• Drink plenty of water throughout the day.
• Follow a healthy lifestyle and exercise regularly.

FAQs

• Can I follow an anti-inflammatory diet if I have health problems?

It is advisable to consult your doctor before starting any diet.

• How soon will I see the results?

You may start feeling better in a few days, but noticeable changes usually take a few weeks.

• Is the anti-inflammatory diet suitable for vegetarians or vegans?

Yes, the diet can be easily adapted to plant-based lifestyles using legumes, tofu, seeds and vegetables.

• Do I need supplements on an anti-inflammatory diet?

Whole foods should provide most nutrients, but supplements like omega-3s or vitamin D can be helpful if recommended by a professional.

Conclusion

Choosing anti inflammatory diet can be one of the best steps to maintain your health. Apart from eating right, you need to take the required measures to secure your finances during emergencies. You can invest in good health insurance plans like individual health insurance, which covers consultation, treatments, hospitalisation and medication.

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

In November 2008, India's healthcare sector witnessed an important change with the formation of Pradhan Mantri Jan Aushadhi Yojana, a central government initiative aiming to provide effective healthcare for every citizen by offering branded medicines at a reasonable price.

In September 2015, the scheme was revamped and renamed as Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP) to enhance its reach and impact.

What is Pradhan Mantri Janaushadhi Yojana (PMJAY)?

Pradhan Mantri Jan Aushadhi Yojana, or PMBJP Yojana, is a welfare programme by the Department of Pharmaceuticals, under the Ministry of Chemicals and Fertilisers. The scheme's primary aim is to make quality generic medicines available at affordable prices, thereby reducing out-of-pocket healthcare expenses for the public. Dedicated outlets known as Pradhan Mantri Bhartiya Janaushadhi Kendras (PMBJK) have been established to ensure the availability of these medicines nationwide.

Benefits of Jan Aushadhi Pradhan Mantri Yojana

The benefits of PM Aushadhi Yojana are:

• PMBJKs offer generic medicines at prices 50% – 90% lower than branded counterparts, making healthcare more accessible.
• Medicines are sourced from WHO-GMP certified manufacturers and undergo testing at NABL-accredited laboratories to ensure quality and efficacy.
• The scheme provides over 2,000 medicines and 300 surgical items across various therapeutic categories.
• PMBJP encourages individual entrepreneurs, NGOs and organisations to open PMBJKs, thereby generating employment opportunities.
• Kendra owners receive incentives up to ₹5,00,000, with additional one-time incentives for Kendras in underserved regions and those opened by marginalised groups.
• Encourages government healthcare practitioners and other employees to prescribe generic medicines to promote cost-effective treatments without compromising quality.
• To promote equitable healthcare access, Janaushadhi Kendras opened in Northeastern states, Himalayan regions, island territories and backward areas are eligible for a one-time special incentive.
• Additional incentives are also available for applicants from Divyang (persons with disabilities), Scheduled Castes (SCs) and Scheduled Tribes (STs).
• As part of its commitment to women's health, the scheme also provides Janaushadhi Suvidha Oxo-biodegradable Sanitary Napkins at an affordable price of just ₹1 per pad, ensuring access to safe and hygienic menstrual products for all.

Eligibility under PM Aushadhi Yojana

To be eligible to run a PM Jan Aushadhi Yojana Kendra, applicants must meet the following requirements: 

• Educational Qualification: Must possess a D. Pharma or B. Pharma degree or employ qualified pharmacists.
• Premises: A minimum area of 120 sq. ft. with proper lease or ownership documents.
• Licenses: Valid Sale License and Drug License in the name of "Pradhan Mantri Janaushadhi Kendra."
• Additional Documents: PAN card, Aadhaar card, SC/ST certificate (if applicable), bank statement, ITR certificate and GST registration.

How to apply for PM Jan Aushadhi Yojana?

You can apply for the Bhartiya Jan Aushadhi Yojana scheme either online or offline. For online applications, you need to:

• Visit the online portal of the Janaushadhi government website.
• Click on the 'Apply to Kendra' tab and click on the 'Register' option.
• Fill in essential information with your mobile number and Email ID.
• After registration, the applicant can log in using the provided username and password.
• Through PMBI's virtual account, an application process fee must be deposited.
• Complete the application filling process.
• Upload the required documents as per the instructions provided.
• After rechecking the details, click the final submission button to complete the submission process.

Documents required for Pradhan Mantri Aushadhi Yojana

To register under Pradhan Mantri Aushadhi Yojana, you need essential documents,

• A minimum area of 120 sq feet with the proper lease agreement or ownership allotted letter.
• Pharmacist's name and Registration with State Council.
• Proof of financial support to run a Janaushadhi Kendra.
• Sale License from a Competent Authority
• A drug license must be submitted in the name of "Pradhan Mantri Janaushadhi Kendra".

For regular and special incentives, one must submit the necessary documents,

• Pan card
• Aadhaar card
• SC/ST certificate
• Pharmacist Registration Certificate
• Bank statement
• ITR certificate
• GST

FAQs

1. Is there any application fee for registration?

There is a non-refundable application fee of ₹5,000 for the registration process. However, certain categories such as women entrepreneurs, persons with disabilities (Divyang), SCs, STs and applicants from aspirational districts are exempt from this fee, subject to providing necessary documentation.

2. Can NGOs and private organisations run a Janaushadhi Kendra?

Yes, NGOs and private organisations can apply to open a Janaushadhi Kendra, provided they employ qualified pharmacists. They must meet the same eligibility criteria as individual applicants.

Conclusion

The Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP) is a powerful step toward making healthcare more accessible and affordable for all. While affordable medicines are a major part of healthcare, having the right health insurance adds another essential layer of protection. A good health insurance plan can help manage unexpected medical expenses and ensure timely access to quality treatment. Exploring options like critical illness insurance or family floater plans can provide added financial security alongside initiatives like PMBJP.

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 Rashtriya Arogya Nidhi (RAN) is a financial assistance scheme initiated in 1997 to support individuals living below the poverty line suffering from life-threatening diseases. Under the umbrella of the RAN scheme, the Health Minister's Cancer Patient Fund (HMCPF) has been established to provide focused financial aid specifically for cancer patients from underprivileged backgrounds. The HMCPF enables poor patients to receive free or subsidized cancer treatment in various Regional Cancer Centres (RCCs) across the country.

What is Rastriya Arogya Nidhi Scheme?

The Rashtriya Arogya Nidhi (RAN) Scheme is a Central Sector initiative that provides financial assistance to economically disadvantaged people for the treatment of life-threatening diseases like heart, kidneys, cancer and more. Under this scheme, eligible beneficiaries can access a wide range of health-related benefits, including high-quality medical treatment from government-designated super specialty hospitals. The scheme is committed to ensuring that financial limitations do not prevent anyone from receiving essential and advanced healthcare services.

Benefits of RAN Scheme

Key Benefits of the Rashtriya Arogya Nidhi Scheme:

• RAN (Rashtriya Arogya Nidhi): Provides financial assistance of up to Rs. 15 lakh to treat critical health issues.
• HMCPF (Health Minister's Cancer Patient Fund): Provides financial help up to Rs. 15 lakh for cancer treatment at recognised cancer institutes.
• Support for Rare Diseases: Financial help up to Rs. 50 lakh for the treatments of rare diseases.
• Coverage for Radiation Therapies: TIncludes financial support for advanced radiation treatments such as radiotherapy, Gamma Knife surgery, 3D Conformal Radiation Therapy (3D-CRT), Intensity-Modulated Radiation Therapy (IMRT) and brachytherapy.
• Chemotherapy and Medication: Financial coverage for chemotherapy, hormonal therapy, and supportive medication.
• Other Treatments and Diagnostics: Financial aid also extends to bone marrow transplants, tumour surgeries and advanced diagnostic tests like PET scans.

Eligibility under Rashtriya Arogya Nidhi

The RAN HMDG scheme provides funds from the Health Minister's Discretionary Grant, which is a RAN component. To be eligible for this fund, the following criteria must be met.

• The fund can be available only for BPL patients who are registered under the scheme.
• Treatments must be taken in government hospitals only.
• For HMCPF, the treatments must be taken at 27 Regional Cancer Centers (RCC).
• Patients with an annual income of 1,25000 or less can opt for financial assistance.

Exclusions under Rastriya Arogya Nidhi Scheme

RAN scheme is not available for individuals working in specific sectors, such as:

• Central government employees
• State government employees
• PSU staff
• HMCPF is not available at the institutions or hospitals where cancer treatments are available free of cost.
• Diseases of a common nature where treatment is not expensive are not eligible for assistance.
• Cases where treatment is sought in a private hospital do not qualify for RAN assistance.

How to apply for Rastriya Arogya Nidhi?

One can apply for a Rashtriya Arogya Nidhi card through the Rashtriya Arogya Nidhi application process. You can follow these simple steps:

1. Download the RAN form from the official website. Fill in all the mandatory fields as per the guidelines.
2. Get the application form signed and stamped by the treating doctor/Head of Department (HOD) and countersigned by the hospital's Medical Superintendent.
3. Include a copy of the income certificate, ration card and any other required documents as specified in the guidelines.
4. Submit the completed application form along with the supporting documents to the concerned government hospital.

Documents required for Rastriya Arogya Nidhi

Essential documents required to be eligible for Rashtriya Arogya Nidhi Yojana are:

• Application form signed by a doctor and medical superintendent from the government hospital.
• An income certificate proving that the patient belongs to the BPL category.
• A copy of the Ration card attested by the Gazetted officer.
• Other documents like a copy of the patient's ID or other relevant medical documents may also be required depending on the specific situation.

FAQs

• Is the financial aid provided as a reimbursement or direct payment?

Generally, the assistance is disbursed directly to the hospital where the patient is receiving treatment, not to the individual.

• Is there any online application process?

As of now, applications are typically processed through hospitals and government channels. However, some states or hospitals may offer online forms or digital support.

• What types of diseases are covered under the RAN scheme?

The RAN scheme focuses on the health and welfare of people below the poverty line. Under the scheme, financial support is provided for poor people who suffer critical diseases like heart and kidney failure, liver disease, cancer and other life-threatening diseases that need expensive treatments or surgeries.

Conclusion

While government-initiated welfare schemes play a vital role in promoting inclusive development—especially in healthcare, education and economic stability—they often work best when complemented by personal medical insurance. In addition to these public initiatives, having reliable health insurance for family serves as an essential layer of protection for your loved ones. It ensures financial preparedness during unforeseen medical emergencies and provides access to benefits such as cashless hospitalisation, preventive checkups and quality treatment.

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

The Chief Minister Arogya Arunachal Yojana (CMAAY) is a flagship health initiative launched by the Government of Arunachal Pradesh. It aims to make quality healthcare more accessible and affordable for the people of the state. By focusing on financial protection and healthcare inclusion, the scheme reflects the state's commitment to the well-being of its citizens.

What is Chief Minister Arogya Arunachal Yojana (CMAAY)?

The CMAAY is a healthcare programme initiated by the Department of Health and Family Welfare, Government of Arunachal Pradesh. It focuses on providing quality, cashless healthcare services to the indigenous people of the state. It seeks to ease the financial burden of medical treatment by ensuring access to essential secondary and tertiary healthcare without out-of-pocket expenses. Beneficiaries can seek medical care at selected government and private hospitals within and outside Arunachal Pradesh.

Objectives of CMAAY

The goals of the CMAAY scheme are

• To ensure health coverage for all in Arunachal Pradesh by 2030
• Eliminate the gaps in the secondary and tertiary healthcare sectors
• Enhance the efficiency of the public healthcare system

Benefits of the CMAAY scheme

The Chief Minister Arogya Arunachal Yojana is a true lifesaver for those registered under the scheme. The CMAAY benefits include:

• Comprehensive coverage: Each family is entitled to cashless treatment up to ₹5 lakh annually, with ₹4 lakh allocated for tertiary care and ₹1 lakh for secondary care.

• Pre and post-hospitalisation expenses: The scheme covers expenses incurred up to 3 days before hospitalisation and up to 10 days post-discharge, including medicines and diagnostic tests.

• Wide network of hospitals: The scheme includes a network of empanelled hospitals both within and outside Arunachal Pradesh, ensuring broader access to healthcare facilities.

• Coverage of pre-existing conditions: Unlike many insurance plans, CMAAY covers pre-existing medical conditions, offering a safety net for vulnerable individuals.
  
  
• No age limit: There is no age restriction for beneficiaries, ensuring that all family members are covered under the scheme.
  
  
• Support for Economically Weaker (EW) sections: CMAAY aims to reduce the financial burden of medical expenses, particularly for the economically weaker and tribal communities in the state.

Eligibility criteria under CMAAY

The following categories are eligible for enrolling in the CMAAY scheme programme:

• Individuals belonging to one of the tribal communities recognised by the government of Arunachal Pradesh.
• Non-tribal applicants must be legal residents of Changlang, Lohit or Namsai District.
• Backward community members belonging to Arunachal Pradesh, such as Arunachal Pradesh Scheduled Tribes.
• Government employees and their dependents.

How to apply for CMAAY?

To apply for the Chief Minister Arogya Arunachal Yojana online and get the CMAAY card, applicants should follow the below steps:

• Go to the official CMAAY portal.
• Scroll to the bottom of the homepage and locate the "Enrolment" section.
• Click on ‘Apply Online’.
• Complete the enrolment form by filling in all mandatory fields, uploading the required documents and then clicking ‘Submit’.
• Once successfully enrolled, click the CMAAY card download option to get the e-card.

Documents required to apply for CMAAY

The CMAAY registration requires the following documents:

• Aadhaar card
  
  
• Birth certificate (mandatory for children under 5 years)
  
  
• Ration card
  
  
• APST certificate (mandatory for Arunachal Pradesh Scheduled Tribe applicants)
  
  
• Resident certificate (mandatory for Non-APST applicants)
  
  
• Government ID card (mandatory for government employees)
  
  
• Permanent land-holding documents
  
  
• Approved enrolment form

FAQs

• How do you apply for a CMAAY card offline?

Applicants can complete the offline enrolment process from the district coordinator station at the district court.

• What are the exclusions under the CMAAY policy?

Hospitalisation for diagnostics, dental and cosmetic treatments, treatments that do not require hospitalisation, etc., are not covered under the CMAAY scheme.

Conclusion

The central and state governments have launched many health insurance plans to make advanced medical treatments more affordable and accessible to all citizens. As a responsible individual, it's wise to enrol in these plans to enjoy comprehensive healthcare benefits at a minimal cost. For older adults, specialised senior citizen health insurance plans offer tailored coverage that addresses age-related medical needs without financial strain.

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.

Starting or growing a small business requires more than just a great idea—it needs timely financial support. To facilitate this, the Government of India launched the Pradhan Mantri Mudra Yojana (PMMY) in 2015. The programme provides affordable, collateral-free loans to small entrepreneurs, thereby supporting employment generation and fostering inclusive economic growth.

What is Pradhan Mantri Mudra Yojana (PMMY)?

The Pradhan Mantri Mudra Yojana is a government-backed initiative that offers collateral-free loans to micro and small enterprises in the non-corporate, non-farm sector. These loans are disbursed through commercial banks, microfinance institutions (MFIs) and non-banking financial companies (NBFCs). The goal is to empower small business owners who traditionally struggle to secure loans through conventional banking channels.

Objectives of Pradhan Mantri Mudra Yojana

The main objective of the Mudra Yojana are:

• Encouraging financial inclusion by giving small enterprises loan access to underserved rural areas.
• Helping micro-enterprises and startups, therefore generating local employment.
• Supporting women-owned companies by means of preferential funding access.
• Formalising the unofficial sector by allowing such businesses to participate in the official one.
• Giving underprivileged groups the financial tools to engage in entrepreneurship and help raise their socioeconomic level.
• Reducing reliance on unofficial credit providers with often high interest rates and exploitative policies to help borrowers have more safe and reasonably priced financing choices.

Loan categories under PMMY scheme

The Pradhan Mantri Mudra loan is categorised into three types, based on the stage of the business:

• Shishu (up to ₹50,000): For businesses in their initial stages.
• Kishore (₹50,001 to ₹5 lakh): For businesses seeking growth capital.
• Tarun (₹5 lakh to ₹10 lakh): For well-established businesses needing funds for expansion.
• Tarun Plus: It covers loans above ₹10 lakhs with a ceiling value of ₹20 lakhs. The main aim is to refinance aid to Banks, MFIs and NBFCs for lending to small units.

These categories help entrepreneurs choose loans suitable for their business lifecycle.

Eligibility criteria of Pradhan Mantri Mudra Yojana

To apply for a Mudra loan, the applicant must:

• Be an Indian citizen, aged 18 years or older.
• Be an individual, proprietor, partnership firm, private limited company or any other eligible legal entity.
• Operate in manufacturing, trading or service sectors, including agriculture-related activities.
• Have no record of previous loan defaults with banks or financial institutions.

PMMY loan application process

You can either opt for an offline process or PM Mudra loan online apply process. Here are the steps:

1. Visit the official websites of participating banks or financial institutions.
2. Fill in the Pradhan Mantri Mudra Yojana application form with correct business details.
3. Upload or submit the required documents.
4. Await verification; once approved, the loan is disbursed to the applicant's bank account.

Offline applicants may visit their nearest bank branch.

Documents Required under PMMY

Applicants must provide the following documents during the loan application process:

• Completed PMMY scheme application form.
• Proof of identity: Aadhaar card, PAN card, Voter ID, etc.
• Proof of address: Utility bills, Aadhaar card or passport.
• Business proof: Trade licence, registration certificate or relevant documents.
• Quotation for machinery or goods to be purchased.
• Recent passport-sized photographs.
• Last six months' bank statements.

Additional documents may be requested depending on the loan amount and business type.

Benefits of Pradhan Mantri Mudra Yojana

Here are the benefits of the Pradhan Mantri Mudra Yojana loan:

• Formalising the informal sector

Brings informal micro and small enterprises into the formal financial ecosystem, improving transparency and credit history.

• Acts as an apex refinancer

MUDRA functions as a refinancing institution, supporting banks, NBFCs and MFIs to lend to micro units, enhancing liquidity in the sector.

• Indigenously designed architecture

The MUDRA model is tailored specifically for India's unique socio-economic landscape and the needs of its micro-enterprise segment.

• Inclusion of last-mile financiers

Empowers small MFIs and local lenders to reach the most remote and underserved entrepreneurs, fostering deep financial inclusion.

• Improved access to finance for micro enterprises

Reduces dependence on informal lenders by making formal credit accessible without collateral, especially to first-time borrowers.

• Lower cost of finance

Refinancing support and risk mitigation mechanisms help lower the interest rates for borrowers, making credit more affordable.

• Credit-plus approach

Beyond loans, the scheme also encourages financial literacy, business mentoring and skill development to ensure sustained enterprise growth.

• Promotion of mass entrepreneurship

Encourages self-employment and small business creation at scale, leading to a broader base of grassroots entrepreneurs.

• Employment generation

Small businesses supported by MUDRA contribute significantly to job creation in local economies.

• Boost to GDP and economic growth

Enhanced microenterprise activity contributes to increased productivity, consumption and overall GDP growth.

FAQs

• What is the maximum loan amount under PMMY?

Loans of up to ₹20 lakh can be availed under the scheme.

• Is collateral required for a Mudra loan?

No, Mudra loans are completely collateral-free.

• Can the loan application be submitted online?

Yes, most banks offer online application facilities on their official websites.

• Are there special benefits for women entrepreneurs?

Women often receive preferential rates and are encouraged to apply under the scheme.

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.

Conclusion

The Pradhan Mantri Mudra Yojana (PMMY) plays a vital role in promoting self-reliance, enhancing financial inclusion and enabling entrepreneurship. However, true financial preparedness goes beyond just securing business capital. This is where health insurance policy becomes equally important. Investing in policies like critical illness insurance can provide a safety net that ensures long-term financial stability. It helps reduce the burden of unexpected medical expenses by covering hospitalisation, treatment and other related costs, offering much-needed support during emergencies.

India's healthcare system is undergoing a significant digital transformation. As part of the Ayushman Bharat Digital Mission (ABDM), the government has instituted the Digital Health Incentive Scheme (DHIS) to encourage this shift. This programme guarantees improved access, efficiency and openness in healthcare services by promoting the adoption of digital health technologies among healthcare providers and digital solution companies.

To understand its impact better, let’s take a closer look at what the DHIS is and how it works.

What is Digital Health Incentive Scheme (DHIS)?

The DHIS, launched under the ABDM Ayushman Bharat framework, seeks to encourage faster adoption of digital health systems by offering financial incentives to healthcare institutions and health tech companies. Notably, the scheme has now been extended until June 30, 2025, giving more stakeholders the opportunity to participate.

The main goal of the DHIS is to build a strong digital health ecosystem, where people can easily access their health records, arrange appointments and even choose services like individual health insurance. The scheme rewards ABDM-compliant healthcare facilities and digital solution providers, thereby supporting deeper integration into India’s growing digital health infrastructure.

Benefits of DHIS

For patients as well as healthcare providers, participating in the Digital Health Incentive Scheme (DHIS) offers several key advantages:

• Digital records help healthcare professionals access patient information quickly, leading to timely treatment.
• Hospitals, clinics and labs that contribute data to the ABDM network receive monetary rewards.
• Less paperwork and faster processing improve overall efficiency—especially for treatments and insurance claims.
• Patients can safely access their health history anytime, with their data protected under ABDM’s secure framework.
• Digitally linked records make it easier to manage services like health insurance, including individual policies.

Eligibility under DHIS

Participating in ABDM DHIS requires specific eligibility requirements: 

• Registered and operational hospitals, clinics and diagnostic labs in India.
• Digital Solution Companies (DSCs) providing ABDM-compliant software.
• All entities must be ABDM-compliant and integrated with its ecosystem.
• Facilities must actively generate and link digital health records (e.g., prescriptions, lab reports, discharge summaries) to ABHA IDs.

Incentives under Digital Health Incentive Scheme

The incentives function as follows:

• Hospitals and clinics qualified for monetary incentives effectively produce and link patient data to ABHA IDs using ABDM.
• Companies offering ABDM-integrated software to labs or hospitals can also receive incentives, depending on how actively their client facilities contribute data.
• The more records a facility contributes, the greater the financial reward.

Documents required for ABDM DHIS

The following documents are required while applying for ABDM DHIS:

• Proof of establishment: Clinic, hospital or laboratory registration certificates.
• Valid bank account information.
• ABHA ID details for participating healthcare providers
• Certification or onboarding confirmation; user ID and credentials generated during ABDM registration

Proper documentation not only speeds up approval but also ensures continued eligibility for future benefits and upgrades.

How to register for DHIS?

Following the right procedures makes registering for the Digital Health Incentive Scheme simple.

• Visit the official ABDM webpage and select the DHIS registration option.
• Complete the registration form using exact facility or business information.
• Upload the required paperwork and offer ABDM compliance
• Link your facility to the ABDM Health Information Exchange (HIE) system.
• Start generating and linking digital health records to ABHA IDs.
• Track your data contributions and claim incentives as per the scheme guidelines.

Why do you need ABHA ID card for DHIS?

The ABHA ID is essential for participating in DHIS because:

• It provides a unique digital identity within the ABDM network.
• Only health records linked to an ABHA ID are eligible for incentives.
• It ensures faster access to healthcare services, diagnostics and insurance claims.
• It enables seamless continuity of care by storing lifetime health records across providers.

Healthcare facilities must encourage patients to ABDM register and create their ABHA IDs to maximise benefits under DHIS.

FAQs

• Who can apply for the DHIS incentives?

Hospitals, clinics, diagnostic labs and digital solution companies that are ABDM compliant can apply.

• Is it mandatory to have an ABHA ID to avail of DHIS benefits? 

Yes, health records must be linked to a valid ABHA ID for the records to be counted under the scheme.

• How can a hospital become ABDM compliant?

By registering on the ABDM portal and integrating digital systems that are compatible with the ABDM ecosystem.

• Are incentives the same for all types of facilities?

No, incentives vary based on the type of facility and the number of digital records generated.

• Does DHIS help in getting health insurance faster?

Yes, having linked digital health records can speed up processes related to health insurance and individual health insurance policies.

Conclusion

The Digital Health Incentive Scheme (DHIS) is a progressive step towards creating a seamless, secure and efficient healthcare ecosystem in India. However, even with such forward-looking initiatives in place, it's equally important to invest in individual health insurance. While digital health systems improve access and efficiency, a good health insurance plan offers financial protection against unexpected medical expenses

Rising medical expenses often hit harder than the illness itself. To ease this financial burden, the Meghalaya Health Insurance Scheme (MHIS) provides much-needed relief to families across the state. This government-supported health programme seeks to make healthcare acceassible to every resident of Meghalaya. Understanding how MHIS works—what it covers, who is eligible and how to apply—can be incredibly helpful if you or your loved ones have ever worried about the cost of hospital treatment.

What is Meghalaya health insurance scheme (MHIS)?

The Meghalaya Health Insurance Scheme (MHIS) is a health insurance initiative run by the Government of Meghalaya. It is designed to provide all eligible residents with free, cashless medical treatment, regardless of their financial background.

The scheme is open to all residents of Meghalaya, except for state and central government employees, who are covered under separate healthcare programmes.

Once enrolled, each beneficiary receives an MHIS smart card, which enables access to cashless treatment at empanelled hospitals across the state and throughout India.

Benefits of MHIS

MHIS coverage provides a wide range of benefits aimed at reducing the financial burden of medical treatment:

• People can avail of treatment at empanelled hospitals without any upfront payment by using the MHIS smart card.
• MHIS serves several government and commercial hospitals all throughout India.
• The programme provides health insurance for family members registered under it.
• MHIS offers a coverage value of up to ₹5.3 lakh annually for every family.
• Coverage includes surgeries, maternity services, cancer treatment and both routine and major medical procedures.

By offering affordable access to quality healthcare, MHIS allows patients to focus on their recovery rather than worry about financial strain.

Eligibility criteria for MHIS scheme

The main eligibility criteria of MHIS scheme are as follows:

• The applicant must be a resident of Meghalaya.
• There are no restrictions based on age or income—anyone can apply, including children and senior citizens.
• A valid government-issued ID, such as an Aadhaar card, is required at the time of enrolment.

Exclusions under MHIS

MHIS contains several exclusions, including:

• Cosmetic treatments like plastic surgery (apart from accident-related needs).
• Non-allopathic remedies including Homoeopathy or Ayurveda.
• Dental and visual treatments (save from those connected to an accident).
• Damage resulting from drug misuse or self-harm.
• Treatments carried out outside of empanelled hospitals.

Documents required for enrolling for MHIS

To register for the Meghalaya Health Insurance Scheme (MHIS), residents must submit the following documents:

• Aadhaar Card
• Recent passport-size photograph
• Domicile certificate or proof of Meghalaya residence
• Mobile number for communication

Once the documents are verified, the applicant will receive the MHIS smart card, which can be used to avail of healthcare services under the scheme.

How to enroll for MHIS?

Enrolling in the Meghalaya Health Insurance Scheme (MHIS) is a simple and straightforward process. Here's how you can apply:

1. Visit a Common Service Centre (CSC) or the nearest MHIS enrolment centre.
2. Submit the required documents as listed earlier.
3. Get your photograph taken for the MHIS card.
4. Undergo biometric verification through fingerprint scanning.
5. Once the process is complete, you will receive your MHIS smart card.

Additionally, the state government occasionally organises enrolment camps where you can register for the scheme.

Grievance redressal under MHIS

If you encounter any issue pertaining to the MHIS insurance, such as treatment concerns or claim rejections, a grievance redressal system is in place to assist you:

• Contact the MHIS helpline: You can reach out to the helpline number provided on the official MHIS website for support.
• File a complaint: Visit the nearest MHIS office or Common Service Centre (CSC) to register your complaint.
• Email the MHIS team: You can also send an email detailing your issue to the MHIS team.
• For quicker resolution, ensure you keep copies of all relevant medical and claim-related records.

The system is designed to provide prompt assistance, ensuring that individuals receive the necessary treatment and support without unnecessary delays.

FAQs

• What is the validity of the MHIS smart card?

Usually one year, however, it must be renewed once it expires.

• Can I use the MHIS card outside of Meghalaya?

The MHIS cards are accepted in empanelled hospitals all throughout India.

• How to find the MHIS claim status?

MHIS website or helpline lets you check your MHIS claim status. While MHIS has been integrated with PM-JAY (Ayushman Bharat) to offer comprehensive coverage to the people of Meghalaya, it's important to note that MHIS and Ayushman Bharat are distinct programmes.

• How much do I pay for enrolment?

Enrolment under MHIS is free for all qualified residents.

Conclusion

Health issues can arise unexpectedly, and the financial burden of medical expenses can often be overwhelming. This is where schemes like the Meghalaya Health Insurance Scheme (MHIS) become essential. Additionally, if you're considering more comprehensive insurance options beyond MHIS, it might be a good time to explore comprehensive health insurance for family. Many providers offer a wide range of medical insurance policies tailored to individuals, families and even vehicles, ensuring that you and your loved ones are fully protected.

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 National Rural Health Mission NRHM initiative was launched by the Indian Government in 2005 to improve healthcare access in rural areas. The mission is transformative in delivering affordable, quality care to underprivileged populations.

This article highlights the key objectives, benefits, features and registration process of the NRHM, demonstrating how the scheme strengthens rural healthcare infrastructure and ensures access to better medical services for the population.

What is the National Rural Health Mission (NRHM)?

The NRHM or National Rural Health Mission is the Indian government's flagship program for addressing health disparities in rural areas. The NRHM policy operates under the National Health Mission (NHM). It focuses on strengthening health systems, ensuring maternal and child care and addressing major diseases through community-based interventions.

The rural health mission is pivotal in bringing healthcare to the rural Indian population by empowering local governance, hiring Accredited Social Health Activists (ASHAs) and improving infrastructure.

Objectives of the National Rural Health Mission

The rural health mission was created to deliver equitable, affordable, quality healthcare services to rural populations. The primary objectives include:

• Reducing infant and maternal mortality rates with better prenatal and postnatal care.
• Ensuring universal access to public healthcare by upgrading sub-centres and primary health centres.
• Controlling communicable and non-communicable diseases through immunisation and awareness programs.
• Strengthening preventive healthcare with a focus on hygiene, sanitation and nutrition.
• Promoting holistic healthcare by integrating Ayurveda, Yoga and other traditional systems.
• Encouraging decentralisation for better local control.

Benefits of NRHM scheme

The National Rural Health Mission scheme offers numerous advantages to rural communities in India. These include:

• Free healthcare services for pregnant women, infants and economically weaker individuals.
• Mobile medical units for remote villages that lack permanent medical facilities.
• Improved infrastructure in public health facilities and sub-centres for increased institutional deliveries.
• Widespread immunisation coverage for children under five.
• Free essential drugs and diagnostics are available in public health centres.
• Employment opportunities for rural women as ASHAs.
• Health insurance policy coverage for low-income families under schemes like Rashtriya Swasthya Bima Yojana (RSBY).
• Critical illness insurance support for severe medical conditions like cancer and heart conditions.

Features of the National Rural Health Mission scheme

The National Rural Health Mission scheme is built around some key features, including:

• Community participation: Local bodies and village health committees have decision-making power.
• ASHA Workers: Trained female health workers act as village health facilitators and educators.
• Decentralised planning: District-level health plans ensure resources are allocated based on local needs.
• Telemedicine services to connect rural patients with urban specialists.
• NRHM online application portal for easy registration and tracking of health services.
• Flexi-Pools: States get flexible funding for health infrastructure, HR and services.
• Integration with AYUSH: Promoting traditional systems of medicine like Ayurveda alongside modern care.

Eligibility for the NRHM policy

To enjoy the benefits under the NRHM scheme, applicants must meet certain criteria, including:

• Residency: Must be a rural area resident as defined by the government with limited access to healthcare.
• Special categories: Pregnant women, infants, children under five and senior citizens.
• Income: Preference is given to economically weaker families living below the poverty line.
• People suffering from communicable and lifestyle diseases in rural zones.
• The scheme also supports tribal populations and regions with historically poor health indicators, ensuring inclusive development.

How to register for the National Rural Health Mission scheme?

Applying for the NRHM is simple through the National Health Mission online apply process. Here are the steps you should follow:

• Visit the nearest health centre, Primary Health Centre (PHC) or the official NHM/NRHM portal.
• Contact the local ASHA worker who helps facilitate the registration process.
• Fill in personal and family details.
• Upload the necessary documents such as proof of residence, income certificate and health history if needed.
• Apply and note the reference number for tracking.

FAQs

• Is NRHM only for rural areas?

The rural health mission specifically targets villages and semi-urban regions with limited medical access.

• Can I apply offline for NRHM?

Applications can be submitted at local health centres or through ASHA workers.

• Does NRHM cover health insurance?

Yes, it includes health insurance policy components for eligible beneficiaries.

• What is the role of ASHA workers?

ASHAs facilitate immunisation drives, maternal care and health awareness campaigns.

Conclusion

The National Rural Health Mission has significantly improved India's rural healthcare. Through providing affordable, accessible and quality medical services, the scheme has bridged the healthcare gap dividing urban and rural populations. However, while the scheme provides essential support, it's equally important for individuals to consider investing in a personal health insurance policy, such as critical illness insurance, for added financial security. Such policies cover high-cost treatments for serious conditions like cancer, heart disease and stroke, offering peace of mind and protecting families from unexpected medical expenses.

Often found in everything from teas to topical balms, peppermint oil is a popular natural remedy—but it’s not without risks. While many people use it to soothe headaches, relieve indigestion or ease muscle pain, few are aware that it may also trigger unwanted side effects. Understanding the dangers of peppermint oil is essential, especially if you're considering peppermint oil as part of your wellness routine.

Peppermint oil side effects

Here are some potential side effects of peppermint oil:

• Digestive concerns

While peppermint oil is often used to alleviate digestive issues, it can sometimes lead to side effects including heartburn, nausea, abdominal pain and dry mouth.

• Skin reactions

Topical application of peppermint oil may cause skin irritation in some people. It's important to dilute the oil with a carrier oil and perform a patch test before widespread use.

• Respiratory issues

Inhaling peppermint oil, especially in large amounts, can lead to breathing difficulties. This is particularly concerning for people with respiratory conditions.

• Allergic reactions

Some individuals may experience allergic reactions like swelling of the lips, tongue or throat. If you notice any of these symptoms, discontinue immediately and consult a healthcare provider.

• Precautions during pregnancy and breastfeeding

Limited information is available regarding the safety of peppermint oil during pregnancy and breastfeeding. It's advisable to consult a healthcare professional before using it.

• Drug interactions

Peppermint oil can interact with certain medications like those for digestive issues, heart conditions and blood thinning.

FAQs

• Can children use peppermint oil safely?

Peppermint oil is not recommended for infants or young children, especially near the face, as it can cause serious breathing issues.

• What is the best way to apply peppermint oil?

Peppermint oil should always be diluted with a carrier oil (like coconut or jojoba oil) before applying to the skin to avoid irritation or burns.

Conclusion

It is important to be aware of peppermint oil side effects, especially if you have existing health conditions or are on medication. Just as you would consider your health carefully when using natural remedies, it's also crucial to think about protecting your health in the long run. Health insurance policy, specifically, critical illness insurance can provide peace of mind, ensuring you’re financially prepared in case of a serious health condition.

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.

Salt is a staple in every kitchen, but not all types of salt are the same.

Kosher salt is known for its clean, natural taste and large, flaky crystals that are easy to grab and sprinkle. That’s why many home cooks and professional chefs prefer it over regular table salt. However, kosher salt isn’t just good for flavour. It’s also considered to be a marginally healthier alternative.

In this blog, we’ll explore some kosher salt benefits.

What is kosher salt?

Kosher salt is a kind of coarse, flaky salt that got its name because it was traditionally used in the process of koshering meat.

Unlike regular table salt, kosher salt doesn’t usually contain additives like iodine or anti-caking agents. It’s made up of pure sodium chloride.

One of the reasons chefs love kosher salt is its texture. The larger, flat crystals are easy to pick up with your fingers, making it simple to sprinkle just the right amount. It gives you more control when cooking or seasoning food.

Kosher salt also dissolves more evenly in dishes, which can help bring out the flavour of ingredients without making food taste overly salty.

Health benefits of kosher salt

Here are the advantages of kosher salt for your health:

• Natural source of sodium: Kosher salt is a natural way to get sodium, a mineral that can help control the body's fluid levels and support healthy nerves and muscles.
• Aids digestion: Kosher salt can help the body make stomach acid, which is required to break down food properly and support good digestion.
• Maintains electrolyte balance: Kosher salt can help keep electrolyte levels in balance, which is important for healthy blood flow and overall body function.

Conclusion

Kosher salt has some health benefits, but if you don’t eat enough iodine-rich foods, it’s better to use iodised salt. Not getting enough iodine can cause health problems like an enlarged thyroid (goitre), low energy due to hypothyroidism and growth issues in children. Therefore, it’s important to be aware of any signs and talk to a doctor if something feels off.

In such cases, having individual health insurance can be a big help. This covers checkups and treatments, letting you concentrate on recovery without financial stress.

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

Black salt, also called kala namak, is a type of volcanic rock salt widely used in Indian cuisine and Ayurvedic medicine. Often praised for its distinct sulphurous flavour and digestive properties, black salt is considered a cooling spice in traditional healing practices. However, despite its perceived health benefits, it's important to be aware of potential black salt side effects, especially when consumed in excess.

This blog explores the kala namak side effects.

Black salt (kala namak) side effects

Here are some common black salt disadvantages:

• May cause stomach problems: Too much black salt can upset your stomach. It contains fluoride and other chemicals that may cause nausea, vomiting or stomach infections if taken in large amounts.
• Can harm teeth: It can damage your teeth. The fluoride in black salt may lead to dental fluorosis. This can change the look of your teeth and make the enamel weak.
• May affect thyroid health: Black salt is not iodised. Iodine is needed for a healthy thyroid. Using only black salt can lead to iodine deficiency, which may cause thyroid problems like hypothyroidism or goitre.
• May increase risk of kidney stones: High salt intake can increase calcium levels in urine. This may lead to kidney stones, especially if you don’t drink enough water. It is better to use black salt in small amounts.
• Can raise blood pressure: Even though it has less sodium than table salt, black salt still contains sodium. People with high blood pressure or heart disease should be careful and avoid taking too much. Limiting intake to less than one teaspoon a day is safer.

Is black salt good or bad for you?

Black salt is known for its unique taste and health benefits. It can help with digestion, reduce bloating and act as a mild laxative. It also consists of minerals like iron and magnesium.

However, while black salt can be beneficial in small amounts, excessive consumption may lead to health issues. Moderation is key, and it’s best to use a mix of iodised and natural salts to maintain balance and avoid nutrient deficiencies.

Conclusion

While black salt (kala namak) offers several health benefits when used in moderation, overconsumption can lead to serious health issues such as dental problems, thyroid dysfunction and high blood pressure. These risks highlight the importance of regular health check-ups, especially for older adults who may already be managing chronic conditions.

That’s where health insurance plans play a vital role. Having the right coverage ensures timely access to medical care without financial stress. If you're caring for ageing parents or are a senior yourself, a senior citizen health insurance plan can offer added peace of mind, covering regular check-ups, hospital stays and treatments. 

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.

Tea tree oil, a renowned natural remedy, is packed with antibacterial and anti-inflammatory properties. However, like many natural substances, there are some possible tea tree oil side effects. Some people may experience redness, skin irritation or a burning sensation while using products that contain tea tree oil. In rare cases, tea tree oil adverse effects can include allergic reactions or worsening of existing skin conditions.

This blog explores the possible side effects of tea tree oil, including how it can affect your skin and health if not used properly.

Tea tree oil side effects

Here are the potential disadvantages of tea tree oil:

• Skin irritation and allergic reactions
• Common symptoms include redness, itching, burning, stinging and scaling.
• Rare cases of burn-like reactions have been reported.
• Oxidation upon exposure to light and air can increase skin sensitivity.
• Hormonal effects in children
• Exposure to tea tree oil may lead to abnormal breast tissue development in young boys.
• Toxic when swallowed
• Ingesting tea tree oil can cause severe symptoms such as loss of muscle coordination and confusion.
• Respiratory irritation
• Inhaling tea tree oil vapours may irritate the respiratory tract, leading to symptoms like coughing and shortness of breath.
• Toxicity in pets
• Tea tree oil can have harmful effects on pets, causing symptoms like lethargy, muscle weakness and tremours.
• Not safe for pregnant and breastfeeding females
• Due to insufficient research, it's advised to avoid using tea tree oil during pregnancy and breastfeeding.

Who cannot use tea tree oil?

While it offers various benefits, there are some side effects of tea tree oil, which means it's not safe for everyone. Those with sensitive skin should patch test before use, as it may cause irritation. Pregnant or breastfeeding females should avoid it due to limited safety data. People with hormonal imbalances or respiratory issues like asthma should consult a doctor first. Tea tree oil is also toxic to pets and should never be ingested by humans or animals.

Conclusion

Being informed about potential side effects is key to safe use. Just as you take care with what you apply to your body, it's equally important to protect your overall well-being. That’s where having the right individual health insurance can offer peace of mind. A good health insurance helps cover medical expenses like doctor visits, emergency care, prescriptions and specialist consultations—offering financial protection when unexpected health issues arise.

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.

Ref links:

https://www.nccih.nih.gov/health/tea-tree-oil?

https://www.healthline.com/health/tea-tree-oil-side-effects?

https://www.mayoclinic.org/drugs-supplements-tea-tree-oil/art-20364246?

https://www.medsafe.govt.nz/profs/PUArticles/Mar2013TeaTree.htm?

https://www.ema.europa.eu/en/medicines/herbal/melaleucae-aetheroleum?utm_source=chatgpt.com

Celtic salt is a variety of sea salt that retains its natural minerals. Unlike regular table salt, it is harvested from coastal regions using traditional methods. This salt’s mineral content gives it a distinct grey colour, and it is used as a healthier alternative to processed salts. Here’s everything you need to know about Celtic salt uses.

How to use Celtic salt?

There are many ways to include Celtic salt in your daily routine. Here are some of the most common Celtic sea salt uses:

• Seasoning meats, vegetables and other dishes: Sprinkle a little amount over roasted vegetables, grilled meats, soups and stews. Its coarse texture and rich mineral content bring out the natural flavours of your dishes.
• Add to a glass of water for hydration: Add a small amount of Celtic sea salt to a glass of water, especially in the morning or after a workout. It helps replenish the lost minerals and supports hydration.
• Dissolve in your bath: Celtic salt isn’t just for eating. Dissolving it in warm bathwater can help relax muscles and soothe the skin. The natural minerals may help reduce tension in the body and improve blood circulation.
• Use as a body scrub: Celtic salt and coconut oil make an easy DIY body scrub. Gently massage the mixture on damp skin in circular motions. It exfoliates dead skin cells and leaves behind smooth and soft skin.

What is the best way to take Celtic salt?

The best way to take Celtic salt depends on your health goals. If you're aiming for flavour, use it in your meals. For hydration, a small amount in water is ideal. For skincare, external application works best. No matter the method, moderation is key.

Conclusion

Celtic sea salt serves multiple purposes. You can use it to season your food, drink it with water for hydration and even use it as a body scrub. Now that you know how to use Celtic sea salt, try adding it to your daily habits in simple and effective ways. But while little wellness habits like these are helpful, it’s just as important to keep an eye on your overall health. Routine health check-ups play an important role in staying on top of things.

A good health insurance plan can help cover routine visits and treatments, so you’re not caught off guard. And for extra peace of mind, having critical illness insurance can provide financial protection if a serious health issue ever comes your way.

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.

Celtic salt, a natural salt originally sourced from the coastal areas of France, is often praised for its trace minerals and potential health perks. While it can be a good addition to a healthy diet, it's also important to be aware of any side effects it might cause. In this blog, we'll talk about those lesser-known Celtic salt side effects.

Celtic sea salt side effects

Celtic sea salt is usually safe when used in small amounts. But using too much can lead to some health problems. Here are some common side effects of Celtic sea salt:

• High sodium levels: Celtic sea salt still has a lot of sodium. Consuming too much can increase your blood pressure and strain your heart.
• Water retention and bloating: Too much salt can make your body retain extra water, leading to swelling and bloating.
• Risk of hypernatraemia: Though extremely rare, if you consume too much salt and don’t drink enough water, it can lead to a condition called hypernatraemia. This manifests with feelings of confusion, fatigue and muscle twitching.
• Strain on the kidneys: If you eat too much salt over time, it can strain your kidneys and lead to problems.
• Possible heavy metal contamination: Since Celtic salt is harvested from the sea, it might contain small amounts of heavy metals like mercury or lead. These are usually in very low amounts, but they can build up in the body over time.
• May affect medications: Salt can interact with certain medicines, especially those for high blood pressure or kidney disease. Always check with your doctor if you're taking any medications.

Is Celtic salt good for you?

Celtic salt can be a better choice than highly processed table salt if used in moderation. It retains small amounts of minerals, such as magnesium, potassium, zinc and calcium that are often removed during the processing of regular salt. These trace minerals can slightly boost your nutrient intake.

Conclusion

Celtic salt offers a natural way to enhance flavour while providing trace minerals, but like all types of salt, it should be used in moderation. Consuming too much may eventually cause health problems like high blood pressure and bloating.

While healthy choices help reduce the risk, it’s wise to be prepared for any health concerns that may arise. This includes getting regular medical check-ups. Having medical insurance covers the cost of these health check-ups as well as any medical emergencies. If you're looking after loved ones, the right health insurance for your family can offer peace of mind and protection for their well-being, too.

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.

References:

https://www.celticsaltproducts.com/blogs/news/celtic-sea-salt-understanding-its-side-effects?srsltid=AfmBOoqivB0PQMedEGBD-yCn0306SCMLsHuHeIEF0peO7clh-QOU_acK

https://longevity.technology/lifestyle/6-celtic-salt-side-effects-are-you-at-risk/

More people are moving towards natural, minimally processed ingredients to support their health, and Celtic salt fits right into this shift. Unlike refined table salt, it is harvested naturally and retains more than minerals that may offer a range of advantages for the body and mind.

In this article, we will walk you through what Celtic salt is, where it comes from and the benefits of Celtic salt.

What is Celtic salt?

Celtic salt is a variety of sea salt, originally sourced from the Celtic Seas near northwestern France. It’s also known as “sel gris” or “grey salt” due to its grey colour, which comes from the minerals, like magnesium, calcium, potassium, zinc and iron, present in it. 

Unlike regular table salt, Celtic salt is coarse, slightly damp, and minimally processed. While store-bought salt is dried at high heat, Celtic salt is sun-dried from evaporated seawater, helping it retain more natural nutrients.

Celtic sea salt benefits

There are several Celtic salt health benefits that set it apart from regular salt. Here are a few:

• Electrolyte balance: One of the direct benefits of Celtic salt in drinking water is its ability to support hydration and muscle function, thanks to its natural mineral content. These minerals help maintain the body’s electrolyte balance, which is essential during hot weather or after physical activity.
• Supports digestion: Celtic sea salt benefits digestion by helping the body produce more digestive fluids and enzymes. It can help the body take in nutrients more effectively and may relieve issues like bloating and indigestion.
• Improved respiratory health: Gargling with warm Celtic salt water can help relieve sore throats and may also assist in clearing congestion. Inhaling salt vapour through salt therapy is believed to have positive effects on respiratory conditions.
• Better sleep and stress reduction: The magnesium content in Celtic salt may promote relaxation and improve sleep quality. Balanced mineral levels also help reduce cortisol, the body’s primary stress hormone.
• Skin and detox support: Soaking in a bath infused with Celtic sea salt may assist in detoxification and nourish the skin due to its rich mineral profile.

Conclusion

Celtic salt supports better hydration and digestion and even helps you relax after a long day. You can add it to your food, mix it in water or use it in a bath. While adding Celtic salt to your routine is good for your health, it’s also important to complement it with regular medical check-ups. These as especially important for older adults and individuals with pre-existing health conditions.

A suitable health insurance plan can help cover the cost of routine check-ups and emergency treatments. For seniors, a dedicated senior citizen health insurance policy can offer age-specific coverage and peace of mind, allowing them to focus more on living well and less on medical worries.

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.

References:

https://www.goodrx.com/well-being/diet-nutrition/benefits-of-celtic-salt

https://www.grapetree.co.uk/blog/celtic-sea-salt-benefits-uses-and-side-effects

https://www.webmd.com/food-recipes/celtic-salt

https://www.netmeds.com/health-library/post/what-is-celtic-sea-salt-origin-uses-benefits-and-easy-recipe-using-this-natural-salt-alternative?srsltid=AfmBOoo_L_WCSz7zj5q41Q_hJ0nsTMLhTvFqJZbrCyAmlorp8WtKj0KD

Sea salt is becoming a popular choice for those looking for more natural ingredients in their diet. It’s made by evaporating seawater and is less processed than regular table salt, which helps it retain small amounts of minerals. Its crisp texture and flavour have made it a staple in many kitchens. Beyond its culinary appeal, sea salt also offers a range of benefits worth exploring.

In this blog, we’ll delve into the many uses and advantages of sea salt.

Advantages of sea salt

Here are some amazing benefits of using sea salt:

• Strengthens immunity: Sea salt contains essential minerals that may support immune function and help fight off infections.
• Supports heart health: Proper intake of sea salt can help maintain blood pressure and support healthy heart function.
• Improves digestion: Drinking sea salt water in moderation may stimulate digestive enzymes and ease bowel movements.
• Refreshes the skin: Sea salt baths can help cleanse the pores, reduce acne and leave your skin feeling smooth and refreshed.
• Eases joint pain: The anti-inflammatory properties of sea salt may reduce pain and stiffness in conditions like rheumatoid arthritis.
• Clears breathing passages: Inhaling steam from sea salt water or using it in baths can relieve nasal congestion and improve breathing.

How to use sea salt?

Here’s how to use sea salt effectively:

• Drink sea salt water in the morning: Start your day by mixing ¼ teaspoon of sea salt in a cup of warm water and drinking it on an empty stomach. The potential benefits of drinking sea salt water include improved gut health and better mineral absorption.
• Take a sea salt bath: Add 1 to 2 cups of sea salt to warm bathwater and soak for about 20 minutes. Sea salt bath benefits may include relieving stress, relaxing sore muscles and leaving your skin feeling refreshed and rejuvenated.
• Gargle for throat relief: Dissolve sea salt in warm water and use it as a gargle to help soothe a sore throat.

Conclusion

Incorporating sea salt into your routine can offer many natural health benefits. However, while sea salt promotes better health, it’s always wise to pair healthy lifestyle changes with regular medical check-ups. This is where having a good health insurance policy comes into play.

A reliable policy helps you manage medical costs and ensures access to quality care. If you identify a risk for more serious health challenges, a critical illness insurance plan can make a real difference. It offers financial support during emotionally and physically difficult times, helping you focus on recovery without added stress.

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.