The government of India initiates various insurance programs for women's empowerment.  Pradhan Mantri Matru Vandana Yojana is the central government initiative to support pregnant and lactating women in India who are living under socially and economically backward conditions.

What is Pradhan Mantri Matru Vandana Yojana (PMMVY)?

Pradhan Mantri Matru Vandana Yojana (PMMVY) was launched in 2017 under the Ministry of Women and Child Development. The scheme mainly focuses on mothers and their well-being by providing financial help and external support for their needs before and after delivery.

Key features of the PMMVY scheme

Here are the key features of the PMMVY scheme:

• Beneficiaries can avail of financial benefits for the first two deliveries, provided the second child is a girl.
• The prime goal of the Pradhan Mantri Matru Vandana Yojana scheme is to improve the overall well-being of pregnant women and mothers who live in financially disadvantaged conditions.
• PMMVY scheme insists on institutional delivery and fully supports lactating mothers and early child care.
• Giving importance to girl children by providing financial help, this scheme focuses on the prevention of female foeticide, thereby maintaining the sex ratio.

Benefits of  PMMVY scheme

Key benefits of PMMVY scheme include:

• The PMMVY program provides financial support for pregnant and lactating mothers up to Rs.5000/—in three instalments.
• Financial benefits are available for the first child and for the second child if the second child is a girl.
• For the second girl child, the maximum allowed amount is Rs.6000/-
• In case of any miscarriage or stillbirth, the beneficiary is considered a fresh applicant for future benefits.
• PMMVY scheme is an integrated program under the Janani Suraksha Yojana(JSY) that promotes institutional delivery and cash incentives.

PMMVY eligibility criteria

One must pass specific eligibility criteria for the Pradhan Mantri Matru Vandana scheme:

• The applicant must be an Indian.
• The applicant must be 19 years old or above.
• The applicant must be a pregnant or lactating woman.
• She must be employed and is facing wage- loss due to pregnancy break.
• The cash benefit is available for the first live birth. If the second child is a girl, the cash is available in one instalment.
• One must apply within 270 days of the delivery to get maximum financial benefits.
• As per PMMVY 2.0, an updated scheme called Mission Shakti, launched in April 2022, allows additional cash benefits in case of a delivery with twins/ triplets or quadruplets.
• Those working in government sectors or getting the same benefits under different schemes are not eligible to apply.

How to apply for the PMMVY scheme online?

Eligible women can use the Matru Vandana Yojana online apply facility through the PMMVY official web portal. They can also seek help from ASHA or Anganwadi workers.

The beneficiary can claim the second installment after six months of pregnancy. For the third instalment, applicants must complete the online form and copies of the mother and child protection card to show their certification of immunity and vaccination.

Documents required for PMMVY registration

For Matru Vandana Yojana registration, the applicant must submit documents as proof.

Along with the Matru Vandana yojana form, the applicant has to submit a copy of

• Mother and Child Protection Card (MCP)
• Aadhar Card or government-approved proof of identity.
• Account details of the beneficiary
• Mobile number for status updation
• Childbirth certificate
• Immunisation details
• LMP and ANC date

Importance of the PMMVY scheme

PMMVY promotes institutional delivery, child care, lactation assistance, nutrition guidance, etc. The main goal is to reduce infant mortality and maintain the sex ratio by preventing female foeticide. This program is designed to support the health and well-being of pregnant and lactating mothers.

FAQs

1. How do I get Matru Vandana Yojana check status?

Log in to the PMMVY official website. After entering your registered mobile number, you can go to the dashboard and check the application status.

2. Who is eligible to apply for the PMMVY scheme?

The scheme is available to pregnant and lactating women who are 19 years or older and are facing wage loss due to pregnancy. It provides benefits for the first live birth and for the second child if the second child is a girl.

Conclusion

While the Pradhan Mantri Matru Vandana Yojana is a significant step in improving maternal and child health, it’s equally important to highlight the role of a solid health insurance policy, particularly maternity health insurance. These policies offer broader coverage for medical expenses related to pregnancy and childbirth, ensuring women have access to quality healthcare services without financial burden.

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

The government of India has launched several health insurance policies to support people who live in economically underprivileged conditions. The Universal Health Insurance Scheme (UHIS) by the Indian government aims to improve the financial well-being of people who fall below the poverty line (BPL).

What is the Universal Health Insurance Scheme (UHIS)?

UHIS scheme is a national insurance policy launched by the Indian government in 2003. The main goal of the UHIS scheme is to provide financial coverage for low-income groups in the country, especially the primary earning members of the family.

Features of UHIS

Here are the UHIS features.

• UHIS policy is available in two categories— group policy and individual policy.
• For individual policies, the policyholder is the primary earning member of the family.
• Group policies are in the name of any group, association or institution.
• Group policy members cannot be a part of other similar health insurance schemes.
• All the members under UHIS get coverage for all the expenses related to health and medical needs.

Benefits and coverage of Universal Health Scheme

UHIS insurance policy provides complete health coverage, including before and after hospital and medical expenses.

• UHIS keeps its premium in the affordable range.
• Both individuals and family members can benefit from this scheme.
• UHIS insurance policy covers unexpected medical expenses and arranges cashless treatment facilities through registered hospitals.
• Universal health care scheme covers all maternity expenses, including postnatal and infant care.
• In case of any misfortune, such as accidents or unexpected deaths in a family, they can claim financial coverage using this policy.
• UHIS scheme provides extensive medical coverage for people with ongoing medical conditions.
• For the BPL families, state subsidies are applicable on insurance premiums.
• UHIS provides good quality health coverage for everyone under the policy.

Exclusions in the Universal Health Insurance Scheme

The following conditions are not applicable to financial benefits under UHIS.

• If you are diagnosed with HIV or AIDS, you cannot apply for financial coverage.
• Medical expenses due to war or similar situations are not applicable.
• For congenital disabilities and diseases.
• Circumcision due to accidents or any necessary treatments.
• Hearing aids, contact lenses or spectacle charges are not covered.
• Suicide or attempt of suicide-related medical expenses.
• Injuries due to consumption of alcohol.
• Injuries or death due to any criminal events.

Universal Health Insurance Scheme premium rates

The premium rates for APL families and BPL families are different under the Universal Health Insurance Scheme (UHIS)

• The annual premium for an APL family is Rs.365.
• APL families of five members, including the insured, spouse and first three children, must pay Rs. 548 every year.
• The yearly premium for APL families, including seven members, is RS.730.
• For BPL families, the annual premium for an individual is RS. 300.
• A BPL family with five members must pay a premium of Rs. 450 annually.
• The yearly premium for a BPL family, including seven members, is Rs. 600.

Eligibility criteria for UHIS

The eligibility criteria for the Universal health scheme differ between  APL and BPL families.

For families and individuals under APL, the  annual income must be more than the insured amount. The minimum age limit to be eligible for the benefits is 5 years, and the maximum age limit is 65 years.

The family income needs to be less than the insured amount for the families under BPL. The minimum age limit to be eligible is 5, and the maximum age limit is 70. One must issue an income certificate from the Revenue Department B.D.O. or Tehsildar as a proof.

How to apply for the Universal Health Insurance Scheme?

To apply for Universal Health Insurance Scheme benefits, one must approach the insurance service provider with the required documents. For BPL families, a certificate of proof issued by a B.D.O or tehsildar from the Revenue Department is mandatory to confirm eligibility.

Universal Health Insurance Scheme hospital list

Certain hospitals are registered under the Universal Health Insurance Scheme. If you apply for the UHIS scheme, you must approach the network hospitals to avail of the benefits. Your concerned insurance company can provide a list of network hospitals registered under this scheme.

FAQs

1. Can we apply for UHIS online?

Yes, you can apply online with certain service provider websites. For more details, visit the insurance provider’s website.

2. Is the UHIS a flexible plan?

Yes, you can customise the UHIS plan according to your family’s requirements and continue it to a certain extent.

Conclusion

Health insurance plans are the most trusted way to safeguard your family and loved ones from unexpected health-related expenses. You can secure your family by choosing individual plans or health insurance for family according to your priorities.

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.

If you're employed in India, you're likely familiar with common salary components like basic pay, HRA and bonuses. However, there’s another important part of your salary that often goes unnoticed which is known as perquisites. These are the additional benefits provided by your employer, and they are covered under Section 17 2  of the Income Tax Act. In this blog, we'll explore what Section 17 2 entails,  what kinds of perquisites it covers and how they will affect your tax liability.

What is the meaning of perquisites in income tax?

You may have often come across the term "perks" when discussing salaries. These "perks" refer to the additional benefits that your employer provides on top of your salary.

Perquisites can be either monetary or non-monetary. For example, you may get a rent-free house, a car from your company or medical insurance. The important point is that these benefits hold a monetary value and are considered part of your total income for tax purposes.

What are perquisites in salary?

Perquisites are divided into three different categories. Understanding these categories will help you determine your tax liability in a better way.

• Taxable Perquisites: These perquisites are fully taxable. For example: rent-free accommodation or personal use of a company car.
• Exempt Perquisites: Your mobile phones or laptops that you use for official work come under the exempt category. It means that you do not have to pay any tax for these.
• Partially Taxable Perquisites: For these perquisites, only a part of your benefit is taxable. For example, concessional loans given by your employer.

Rules for the valuation of perquisites in income tax

The Income Tax Rules offer a detailed guideline for valuing different types of perquisites. For example:

• The value of your rent-free home depends on your salary and your city of residence.
• The value of your company car that you use for personal purposes is calculated based on the engine capacity and the fuel expenses.
• For individual health insurance provided by the employer, the value may or may not be taxable depending on your particular situation.

What is section 17(2) of income tax act?

Section 17 of income tax act states all the components of your salary. Under this, section 17 2 especially deals with the perquisites in salary. It provides a list of various types of benefits that are considered perquisites and hence, they are taxable as part of your salary.

What is the taxability of perquisites under section 17(2)?

According to section 17 2, all perquisites that you get from your employer are taxable unless specifically exempted. The value of these perquisites is added to the total income and taxed as per the applicable income tax slab.

Hence,if your employer pays the premium for an individual health insurance policy covering your family, the value of this benefit may be taxable in certain situations. Similarly, if your company provides you with housing, the rental value of the accommodation is added to your salary and taxed accordingly.

Tax exempt perquisites

As mentioned earlier, not all perquisites are taxed. For example:

• Provision of mobile phone and internet for work purposes.
• Your company’s contribution to a retirement fund (within limits)
• Medical insurance that is provided under a group scheme for employees.

Calculation of value of perquisites as per section 17 (2)

Each type of perquisite is calculated through a different method and it depends on several factors:

Benefits of perquisites

Even though perquisites are taxed, they offer several advantages:

• Increase in overall composition.
• Access to benefits like housing, transport, medical insurance and education allowance.
• Cost savings on personal expenses.
• Enhanced job satisfaction and retention.

FAQs

1. Are all perquisites taxable?

No, some perquisites are exempt fully as well as partially under the Income Tax Rules.

2. Is employer-paid medical insurance taxable?

Group policies may be exempt, but individual health insurance premiums paid by your employer may be taxable.

3. What is the main purpose of Section 17(2)?

This section defines which perks are considered part of your salary and lays down rules for their taxation.

Conclusion

Understanding section 17 2 of the income tax act helps you to stay informed and make smarter financial choices. Hence, you should take your time to review your salary structure, understand the benefits as well as consult a tax expert if needed.

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.

Healthcare expenses can often put a heavy strain on one’s savings, especially when it comes to prolonged treatments or hospitalisations. For central government employees and pensioners, the Central Government Health Scheme (CGHS) offers a structured and reliable solution. Launched in 1954, CGHS aims to provide affordable comprehensive medical care to eligible individuals and their families.

What is the Central Government Health Scheme (CGHS)?

The CGHS is a healthcare initiative by the government of India that serves retired central government employees and their families. It provides subsidised medical care across various cities through its vast network of wellness centres and approved hospitals. If you're unsure where to begin, simply search for a CGHS hospital near me to find the nearest centre in your location.

Government mandates linking CGHS with ABHA for Central Govt. employees

Here are the steps to link CGHS with ABHA ID:

1. Visit CGHS official website.
2. Log in with your CGHS beneficiary ID.
3. Choose the option to create or link your ABHA ID.
4. Enter your Aadhaar and complete OTP verification.
5. Once done, you can download or print your ABHA card.
   

Facilities offered by the Central Government Health Scheme (CGHS)

The CGHS scheme ensures end-to-end healthcare services under one umbrella. Here’s what CGHS covers:

Features of the Central Government Health Scheme

Central Government Health Insurance Scheme brings several unique features that enhance healthcare delivery:

• Cashless treatment for CGHS beneficiaries wellness centres and hospitals.
• Reimbursement facility for treatment in non-empanelled hospitals under emergency.
• A plastic card will be issued to each beneficiary and will be valid in all CGHS cities.
• Digital health record integration with ABHA.

Who are the beneficiaries of CGHS?

CGHS covers a wide list of eligible individuals:

• Central Government employees (serving and retired).
• Pensioners and family pensioners.
• Members of Parliament and former Vice Presidents.
• Retired Supreme Court and High Court judges will get the Central Government Health Insurance Scheme for senior citizens.
• Delhi Police personnel.
• Employees of the Postal and Telegraph Department.
• Accredited journalists with the Press Information Bureau.
• Freedom fighters and employees of certain autonomous bodies.
  

Eligibility criteria for Central Government Health Scheme

To be eligible for CGHS, you must meet any of the following:

• Be a serving or retired Central Government employee.
• Be a pensioner receiving a central pension.
• Be a dependent family member living in a CGHS-covered city.
• Be a Member of Parliament, former Vice President, or judge.
• Be an employee from approved departments like Delhi Police or Railway Board.
  

Application process of Central Government Health Scheme (CGHS) card

Applying for a CGHS card is straightforward:

1. Visit the CGHS website to apply online for Central Government Health Scheme plastic card through the official CGHS portal and download the application form.
2. Fill in personal details and attach recent photographs.
3. Submit the form and documents to the Additional Director of CGHS in your city.
4. The card will be issued once the documents are verified.

Benefits of the Central Government Health Scheme

Here are some of the CGHS benefits:

• Low-cost or cashless medical care in government and empanelled hospitals.
• Subsidised medicines at CGHS wellness centres.
• Specialist consultations and diagnostics at no additional cost.
• Preventive care like annual check-ups and vaccinations.
• Surgical and maternity care support.

How to book a doctor’s appointment under the CGHS?

For CGHS registration follow the below steps:

1. Go to CGHS official site.
   
2. Log in using your beneficiary ID and OTP.
   
   
3. Select the wellness centre, doctor and speciality.
   
   
4. Choose the date and time slot.
   
   
5. Confirm and download your appointment slip.

What is the CGHS empanelled hospital list?

CGHS has tie-ups with several renowned hospitals across the states. Some CGHS empanelled hospitals include:

The full list is available on the CGHS website and is updated regularly.

FAQs

1. Can I use CGHS services in a city where I am not posted?

Yes, if you have a plastic CGHS card, you can use services in any CGHS-covered city.

2. Are dependents of employees also covered?

Yes, dependent family members living in CGHS cities are eligible.

3. How can pensioners apply?

Pensioners need to submit an application form with a copy of their PPO and ID proof to the CGHS office.

Conclusion

The Central Government Health Scheme is a healthcare plan for millions of central government employees and their families. However, while CGHS covers a wide range of services, there are still situations where you may need health insurance plans.

In the case of treatments in non-empanelled hospitals, expensive surgeries abroad or coverage gaps during emergencies outside CGHS cities, a health insurance plan acts as a safety net. Also, for your ageing parents who may not qualify for CGHS or need broader coverage, health insurance for parents can help cover unexpected bills, costly medicines and specialised treatments not included under CGHS.

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

India's power sector is one of the most important parts of its economy. However, over the years, power distribution companies (DISCOMs) in India have faced many financial problems. These companies buy electricity from power producers and supply it to consumers, but due to high losses and unpaid bills, they have been incurring significant losses.

To solve this issue and make these companies financially strong, the Indian Government launched the Ujwal DISCOM Assurance Yojana (UDAY) in 2015. This scheme aimed to help DISCOMs reduce their debts, improve their operations and supply power more efficiently.

What is the UDAY scheme?

The UDAY Scheme is a government programme launched by the Ministry of Power, Government of India, in November 2015. It was designed to help electricity distribution companies (DISCOMs) become financially healthy and provide better services.

Key points about UDAY:

• It is a voluntary scheme for states to join.
• The central government helps the state governments take over 75% of the DISCOMs' debt.
• It provides a roadmap for reducing losses, improving efficiency and ensuring the supply of power 24/7.

Why was UDAY launched?

UDAY was launched to address the poor financial health of power distribution companies in India. Many DISCOMs were heavily in debt and unable to pay power producers. This led to:

• Power shortages
• Unreliable electricity supply
• Frequent blackouts in some areas
• Financial stress on the whole power sector

Reasons for launching UDAY:

• High losses: DISCOMs had high Aggregate Technical and Commercial (AT&C) losses.
• Low tariffs: Electricity was sold at a price lower than the cost of production.
• Delayed payments: Power generators were not getting paid on time.
• Lack of investment: Poor financial health stopped DISCOMs from upgrading infrastructure.

Objectives of UDAY scheme

The PM UDAY scheme had clear objectives to bring positive changes in the power sector. These include:

• Reduce DISCOMs’ debt by helping states take over 75% of it.
• Lower interest rates on the remaining debt to reduce financial burden.
• Improve operational efficiency by reducing power theft, technical losses and improving billing systems.
• Ensure 24x7 power for all by making DISCOMs financially and operationally stable.
• Introduce smart meters and technology to monitor and manage electricity better.
• Promote renewable energy by helping DISCOMs buy more solar and wind power.

Benefits of UDAY for the participating states

Here are some of the important UDAY scheme benefits:

Financial benefits:

• States could issue bonds to pay off the DISCOMs' debt, reducing interest costs.
• The financial health of DISCOMs improved, attracting more investment.
• Banks and financial institutions faced less risk due to reduced defaults.

Operational benefits:

• Improved power supply with fewer interruptions.
• Reduction in power theft through better billing and monitoring.
• Better customer service as DISCOMs could invest in technology and infrastructure.

Long-term benefits:

• Greater trust in the power sector.
• Support for industrial growth due to reliable electricity.
• Stronger push for renewable energy projects.

UDAY 2.0

Though PM UDAY Yojana made some improvements, not all targets were met. So the government introduced an updated version called UDAY 2.0 or Atmanirbhar Bharat Abhiyan Power Reforms.

UDAY 2.0 Goals:

• Encourage private participation in the power sector.
• Focus on smart metering across India.
• Improve collection efficiency and reduce electricity losses further.
• Provide financial assistance to DISCOMs under certain performance conditions.

Challenges faced by UDAY

Despite good intentions, Pradhan Mantri UDAY Yojana faced several challenges:

• Slow implementation: Many states delayed reforms or did not fully implement the plan.
• Operational targets not met: Loss reduction and efficiency improvements were slower than expected.
• Still in debt: Some DISCOMs continued to borrow money and build up new debt.
• Poor monitoring: Data reporting was not always accurate or timely.
• Dependence on politics: Changes in state governments affected the commitment to reforms.

FAQs

1. Is UDAY still active?

UDAY 1.0 officially ended in 2020, but its goals continue under UDAY 2.0 and other reforms.

2. Which states joined UDAY?

Most Indian states and Union Territories joined UDAY voluntarily, including Uttar Pradesh, Rajasthan and Tamil Nadu.

3. What is AT&C loss?

AT&C (Aggregate Technical and Commercial) loss refers to the loss of electricity during transmission and distribution and non-payment by consumers.

4. How does UDAY help consumers?

By improving DISCOMs’ health, UDAY aimed to provide more reliable and affordable electricity to consumers.

Conclusion

The PM UDAY Scheme was a bold move by the Indian Government to fix deep-rooted problems in the power distribution sector. While it achieved some success in reducing debt and encouraging reforms, many goals remain unmet. The launch of UDAY 2.0 reflects the need for continuous improvement, better monitoring and more accountability.

A reliable power supply also supports essential services like healthcare. In recent years, more people have started to see the value of securing their health and finances with a health insurance policy. This is especially important for older adults, making senior citizen health insurance an increasingly important option.

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.

Old age brings wisdom, but it can also bring financial challenges. Without a steady source of income post-retirement, many individuals, especially those in the unorganised sector, struggle to meet basic needs. The Government of India recognised this gap and introduced the Atal Pension Yojana (APY) to provide financial security during retirement. This scheme is helpful for people who are not covered by any formal pension system.

This blog provides a complete guide to the APY scheme, its enrolment process, benefits, eligibility, and more.

What is the Atal Pension Yojana (APY) scheme?

The Atal Pension Yojana scheme, backed by the government, is primarily targeted at workers in the unorganised sector, such as maids, drivers, delivery agents and gardeners. It was launched in 2015 and is regulated by the PFRDA or Pension Fund Regulatory and Development Authority.

Under APY, subscribers will receive a fixed pension amount—ranging from ₹1,000 to ₹5,000 per month—after the age of 60, based on their contribution and age at entry. Upon the subscriber's death, the Atal pension yojana details are passed on to the spouse and later, the corpus amount is given to the nominee.

Key features of Atal Pension Yojana

Here are some key features of the scheme:

• Available to Indian citizens between 18 to 40 years of age
• Monthly pension of ₹1,000 to ₹5,000 after turning 60
• Minimum contribution period: 20 years
• Auto-debit facility ensures the timely contribution
• Co-contribution by the Government (for eligible subscribers enrolled before Dec 2015)
• Managed by PFRDA with a safe investment pattern

Benefits of Atal Pension Yojana (APY)

Its benefits are:

• Atal pension yojana benefits financial security during old age by providing a fixed monthly pension after retirement.
• Offers a low-risk investment option as the scheme is regulated and managed by the government.
• Provides tax benefits with contributions eligible for exemption under Section 80CCD of the Income Tax Act.
• Covers the subscriber's family by continuing the pension for the spouse after the subscriber's death.

How to enrol for Atal Pension Yojana?

You can either apply online or offline.

Online mode:

• For Atal pension yojana online apply, log in to Internet banking of your savings account.
• Search for the APY option.
• After Atal pension yojana login, fill in the form and enable auto-debit
• Only selected banks offer this feature

Offline mode:

• Visit your bank or post office
• Collect and fill out the APY form
• Submit with a photocopy of Aadhaar
• Provide a valid mobile number for confirmation alerts

Eligibility criteria under the APY scheme

To enrol in APY, the individual must:

• Be an Indian citizen
• Be aged between 18 and 40 years
• Have a savings bank account
• Link Aadhaar and mobile number with the bank account
• Be willing to contribute for at least 20 years

Documents required for the APY scheme

Here is a list of the required documents:

• A completed Atal pension yojana registration form
• Aadhaar card (photocopy)
• Valid mobile number
• Active savings bank or post office account

Monthly contribution of the Atal Pension Yojana

You can keep track of your contribution with the help of an APY pension calculator.

Penalties for delayed contributions to a pension

Late contributions attract the following penalties:

• 1 per month for contributions up to ₹100
• 2 per month for ₹101–₹500
• ₹5 per month for ₹501–₹1,000
• ₹10 per month for contributions above ₹1,001
• Accounts may be frozen after 6 months
• Accounts may be deactivated after 12 months and closed after 24 months of non-payment.

How does the Atal Pension Yojana work?

Here's how the scheme works:

• Subscriber chooses a pension amount
• Contribution begins immediately and continues until age 60
• The amount is debited automatically from the bank account
• At 60, pension begins
• After the subscriber's death, the pension goes to the spouse
• On the death of both, the nominee receives the corpus
• In special cases like terminal illness or death before age 60, the spouse can either claim the corpus or continue the contributions.

Key things to know about the Atal Pension Yojana (APY)

Important things to remember:

• Early withdrawal is allowed only in cases of death or serious illness
• Subscribers can increase or decrease their pension amount by informing the bank
• Insufficient balance will lead to penalties
• The scheme allows only one APY account per person
• The government's contribution is not available for income taxpayers
• APY account must be linked to a savings account with auto-debit enabled

FAQs

1. What is the minimum and maximum age for Atal Pension Yojana apply?

The minimum age is 18 years, and the maximum is 40 years.

2. Can I exit APY early?

Only in cases of death or terminal illness. Otherwise, early exit will only return your contribution with interest, excluding the government co-contribution.

Conclusion

The Atal Pension Yojana is a powerful tool for anyone looking to secure their future. Medical costs, especially in India, are rising steadily. While the Atal pension yojana ensures monthly income, it is equally wise to plan for medical emergencies with health insurance plans. Getting health insurance for family can help you and your family during unexpected medical 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 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.

Thе norovirus is known to inducе gastroеntеritis and is frеquеntly thе primary causе of foodbornе outbrеaks in Minnеsota. It poses a severe health risk. Oftеn misdiagnosеd as thе "stomach flu," this family of virusеs was previously known as Norwalk-likе virusеs. Norovirus symptoms are inflammation in the intеstinеs and stomach. 

What are the Symptoms of Norovirus?

• Gastrointеstinal Distrеss: Norovirus triggеrs sеvеrе gastrointеstinal symptoms, notably marked by abrupt vomiting, diarrhеa, and intеnsе stomach cramps. Thеsе manifеstations can bе distrеssing, causing discomfort and disrupting daily activities.

• Additional Signs: Alongsidе thеsе primary symptoms, individuals might еxpеriеncе a low-gradе fеvеr or chills, accompaniеd by hеadachеs and musclе achеs.

• Onsеt and Sеvеrity: Thе onsеt of symptoms typically occurs within 1 to 2 days post-еxposurе, with a suddеn and robust impact. Affеctеd individuals oftеn undеrgo norovirus virus symptoms like an acutе phasе of sicknеss, charactеrizеd by frеquеnt vomiting, somеtimеs occurring without warning, lеading to multiplе еpisodеs within a day.

Pеrsonal hygiеnе and cautious handling of food can curb the sprеad of Norovirus symptoms and minimizе its disruptivе еffеcts on health and daily life.

Conclusion

Thе norovirus can causе sеvеrе gastrointеstinal distrеss quickly aftеr еxposurе, including vomiting and diarrhеa. Rеquiring strict hand hygiеnе and using caution when handling food arе еssеntial to rеducing its sprеad. Timеly idеntification is facilitatеd by being aware of Noro symptoms, which include occasional fеvеr and stomach cramps. Get a health insurance to ensure a thorough treatment of norovirus.

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.

Sarcopеnia is an agе-rеlatеd disordеr that rеprеsеnts a more significant loss of musclе mass than thе normal ageing procеss. This dеgеnеrativе illnеss affects a person's physical capacitiеs. As a result, it is morе difficult for thеm to carry out rеgular chorеs. Sciеntists arе finding ways to dеlay or prеvеnt it.

What are the Symptoms of Sarcopеnia?

Sarcopenia signs and symptoms show how thе disеasе affects a person's physical capabilities and gеnеral health:

• Wеaknеss and diminishеd stamina arе prеvalеnt signs, making routinе tasks challenging.
• A dеclinе in musclе strеngth affеcts thе ability to perform physical activitiеs еfficiеntly.
• Rеducеd activity duе to wеaknеss еxacеrbatеs furthеr musclе mass loss, pеrpеtuating thе condition.
• Loss of musclе mass nеgativеly impacts gait, balancе, and ovеrall mobility, hindеring еvеryday functioning.
• Thе diminishing musclе strеngth may lеad to compromisеd indеpеndеncе and an incrеasеd risk of falls.
• Progrеssion of sarcopеnia can еxacеrbatе thе ovеrall dеclinе in hеalth, impacting onе's ability to carry out daily activitiеs with еasе and comfort.

Rеcognizing sarcopenia symptoms, еarly intеrvеntion through tailorеd еxеrcisе plans and propеr nutrition is required. It helps to mitigatе thе dеbilitating еffеcts of sarcopеnia and maintains a highеr quality of life.

Conclusion

Sarcopеnia significantly affеcts lifе quality, dеmanding proactivе mеasurеs. Engaging in tailorеd еxеrcisеs, еnsuring propеr nutrition, and еmbracing an active lifestyle arе vital to managing this condition. Nеglеcting sarcopenia symptoms may lеad to rapid musclе dеclinе and dеtеrioratеd hеalth. Taking prеcautions for sarcopеnia not only prеsеrvеs musclе mass but also еnhancеs hеalth.

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.

Sarcopenia, marked by a decline in muscle mass and strength, is a common condition affecting most individuals. It is primarily associated with the natural ageing process. As individuals age, they experience a gradual decline in muscle mass, accelerating between 65 and 80 years. While ageing remains the dominant factor, various contributors play a role in the development of sarcopenia. Here, we will tell you about different sarcopenia causes.

What are the Causes of Sarcopenia?

Understanding these causes is essential for implementing preventive measures and targeted interventions. Sarcopenia is caused by the following:

• Gradual muscle mass and strength loss start in the 30s or 40s.
• Accelerated muscle loss between ages 65 and 80.
• A sedentary lifestyle can contribute to muscle atrophy.
• Chronic conditions like COPD, kidney disease, diabetes, cancer and HIV.
• Excess body weight affects muscle health.
• Rheumatoid arthritis, an inflammatory joint disease, is a potential risk factor.
• Sarcopenia in older adults is caused by hormonal changes. Reduction in hormone levels influencing muscle maintenance.
• Inadequate protein intake affects muscle health.
• The impaired ability to utilise insulin affects muscle function.
• Reduction in nerve cells impacts muscle movement signals.

Conclusion

Now that you know, sarcopenia is caused by ageing, manifesting as a gradual muscle mass and strength decline. Although ageing is a primary factor, additional elements like chronic diseases and physical inactivity can worsen the condition. Recognising these causes is crucial for developing targeted interventions to prevent or mitigate the impact of sarcopenia, especially in older adults. Get a health insurance to ensure a thorough treatment of sarcopenia.

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.

Kidney stones, these small crystalline deposits, are familiar to many, often bringing about substantial pain and discomfort. Tailored treatment becomes essential for individuals dealing with this condition, with factors like size and symptoms influencing the approach. From non-invasive methods suitable for smaller stones to more extensive procedures designed for larger ones, a comprehensive understanding of the diverse treatment options is crucial for effectively managing kidney stones.

Treatment of Kidney Stone 

Kidney stones, though small, can cause significant pain and discomfort. Fortunately, various treatment options are available to help individuals manage and alleviate the symptoms associated with kidney stones. Let’s explore these kidney stone treatment methods, shedding light on the diverse approaches medical professionals may recommend to provide relief and prevent future occurrences.

• Fluid Intake

Individuals with a history of kidney stones often receive advice from doctors to maintain sufficient fluid intake, aiming for approximately 2.1 quarts (2 litres) of urine daily. Your healthcare provider should consider measuring your urine output to ensure adequate water consumption.

In hot, dry climates or for those engaging in frequent exercise, a higher water intake may be necessary to generate enough urine. Monitoring the colour of your urine, aiming for it to be light and clear, serves as an indicator that you are likely consuming enough water.

• Pain Relievers

To ease mild pain caused by passing a small stone, your doctor may suggest pain relievers like ibuprofen (Advil, Motrin IB, others) or naproxen sodium (Aleve).

• Medical Therapy

Doctor might prescribe an alpha blocker medication to assist in passing your kidney stone. These medications, like tamsulosin (Flomax) and the combination of dutasteride and tamsulosin (Jalyn), relax the muscles in your ureter, facilitating a quicker and less painful kidney stone passage.

• Stone Removal with Ureteroscope

To eliminate a smaller stone in your ureter or kidney, your doctor may employ a thin, illuminated tube (ureteroscope) with a camera.

Understanding the diverse treatment options for kidney stones is crucial, as tailored approaches are recommended based on factors such as stone size and symptoms. Following the procedure, your doctor may insert a small tube (stent) in the ureter to alleviate swelling and encourage healing. This process may require general or local anaesthesia.

• Extracorporeal Shock Wave Lithotripsy

Depending on their size and location, your doctor may suggest a procedure known as extracorporeal shock wave lithotripsy (ESWL) for specific kidney stones. ESWL employs sound waves to generate powerful vibrations (shock waves) that break the stones into small fragments, allowing them to pass through your urine. The procedure typically takes 45 to 60 minutes and may induce moderate pain, leading to the administration of sedation or light anaesthesia for your comfort. ESWL can result in side effects such as blood in the urine, bruising on the back or abdomen, bleeding around the kidney and other nearby organs and discomfort during the passage of stone fragments through the urinary tract.

• Percutaneous Nephrolithotomy

Percutaneous Nephrolithotomy (PCNL) is a minimally invasive surgical procedure used to remove kidney stones. This technique makes a small incision in the patient's back to access the kidney directly. A thin tube is then inserted through the incision, allowing the surgeon to locate and remove the kidney stones. Surgeons often utilise PCNL for larger stones or when other methods prove ineffective. While it is a more involved procedure than some alternatives, PCNL can effectively address kidney stones and promote the patient's overall urinary health.

• Ureteroscopy with Laser Lithotripsy

Ureteroscopy with Laser Lithotripsy is a minimally invasive procedure that involves using a thin, flexible tube with a camera to locate and break down kidney stones using laser technology. This method is particularly effective for smaller stones and offers a less intrusive approach to removal.

• Parathyroid Gland Surgery

Parathyroid gland surgery is not a direct method for removing kidney stones. The parathyroid glands regulate calcium levels in the body, and their dysfunction can lead to the formation of kidney stones. In some cases, surgery to address issues with the parathyroid glands may indirectly contribute to preventing the recurrence of kidney stones by addressing the underlying cause of abnormal calcium metabolism.

• Regular Check-ups

Regular check-ups involving imaging studies, such as ultrasounds or CT scans, and urine tests are essential in preventing and managing kidney stones. These diagnostic tools help healthcare professionals monitor the structure and function of the kidneys, detect the presence of stones, and analyse urinary composition. By identifying potential risk factors and stone-forming tendencies early on, medical professionals can implement personalised interventions, including dietary modifications or medications, to prevent the recurrence of kidney stones. Regular follow-up appointments ensure ongoing monitoring and adjustment of the treatment plan for optimal kidney health.

Conclusion

Kidney stone treatment encompasses a spectrum of approaches tailored to stone size and symptoms. From non-invasive measures for smaller stones to more extensive procedures, such as surgery for larger stones, the options aim to alleviate discomfort and promote natural stone passage. Regular monitoring and checkups are integral to ensuring ongoing kidney health. You must understand these treatments for effective management and prevention of kidney stones. Moreover, it would be best to consider health insurance as it can cover the cost of the treatment and foster overall well-being.

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.

Disorienting and incapacitating, vertigo is a complex condition that is typically described as an unsteady or spinning sensation. Its origins can lie in a range of factors, from neurological disorders to inner ear diseases.

If symptoms become a regular occurrence, seeking vertigo treatment is crucial. In this article, we'll explore vertigo remedies and discuss how health insurance can assist in obtaining these necessary treatments.

Treatment of vertigo

1. The first step is to diagnose

Before beginning a vertigo treatment plan, a precise diagnosis is imperative. Medical professionals have multiple methods of testing to determine the root cause of vertigo.

2. Medications

Medication is an important component in reducing vertigo symptoms. Doctors may recommend vestibular suppressants, antiemetics, or drugs that address underlying causes like Meniere's disease, depending on the condition that has been diagnosed.

3. Therapy for vestibular rehabilitation (VRT)

VRT is a type of physical therapy intended to lessen issues related to dizziness and enhance balance. Individualised exercises support patients' long-term stability by assisting them in compensating for and adapting to their vestibular deficits.

4. Procedures for Canalith Repositioning

Certain forms of vertigo, particularly benign paroxysmal positional vertigo (BPPV), respond well to techniques such as the Epley manoeuvre, which focuses on Canalith repositioning.

5. Modifications to Lifestyle

Modifications in lifestyle, such as dietary choices and stress reduction techniques, can help manage vertigo overall.

6. Surgical Procedures

Surgical options may be taken into consideration in cases where conservative vertigo treatment proves to be ineffective. Also, other surgical techniques may be used, such as vestibular nerve decompression or inner ear structural removal.           

Role of Health Insurance in the Treatment of Vertigo

1. Protection against Diagnostic Exams

The majority of health insurance plans pay for the diagnostic procedures needed to diagnose vertigo properly. This covers imaging studies and vestibular function tests, so people can seek the tests they need without paying a lot of money.

2. Medication Explanation

Health insurance often covers prescription medications used in vertigo treatment. To make educated decisions about their treatment plan, patients need to know how much of a given medication is covered.

3. Services for Rehabilitation

One important part of treating vertigo is vestibular rehabilitation therapy, which some health insurance plans may pay for. It is advised that patients review the specifics of their policy to ascertain the scope of physical therapy service coverage.

Conclusion

The quality of life can be greatly affected by this disease, so getting appropriate vertigo treatment is crucial.

Health insurance can help ensure that people can receive thorough treatment for vertigo without having to worry about paying for necessary tests or rehabilitation services. A combination of lifestyle changes and medical interventions can help people regain control over their lives.

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.

Throughout history, leprosy, a chronic infectious disease brought on by the bacteria Mycobacterium leprae, has posed a constant threat. Even though leprosy has become much less common over time,  leprosy treatment is still a vital component of global healthcare to eradicate this disease.

In this blog, we discuss the leprosy treatment in detail. We also explore how health insurance has become vital in the search for affordable and proper treatment.

Treatment of leprosy

Leprosy primarily affects the skin and nerves, causing deformity and nerve damage if left untreated. Thankfully, there are numerous treatment options available in modern medicine to address this condition.

A combination of antibiotics, most frequently rifampicin, dapsone, and clofazimine, is the cornerstone of leprosy treatment. The duration of this multi-drug therapy (MDT) can vary from several months to years, contingent upon the severity of the infection.

Health insurance is crucial to ensuring that people affected by leprosy have access to the necessary medications and medical care. In light of the astronomical expenses linked to long-term care, health insurance is indispensable for numerous patients.

Comprehensive health insurance plans cover the costs of treating leprosy, including antibiotics, regular checkups, and any additional procedures required to manage complications.

Moreover, health insurance contributes to reducing the stigma associated with leprosy. Because insurance covers the cost of care, people can seek timely medical attention without worrying about their finances. This encourages early diagnosis and treatment as well as the integration of leprosy patients into mainstream society, fostering a more compassionate and inclusive healthcare environment.

Conclusion

For those afflicted with leprosy, the battle against the disease has brought about a transformation thanks to the integration of cutting-edge medical interventions.

In summary, effective treatment, hope, and persistence are hallmarks of the leprosy treatment process. Health insurance is a beacon of hope that bridges the gap between access to reasonably priced healthcare and medical 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.

Introduction

Pyelonephritis, another name for kidney infections, is a dangerous illness that requires immediate attention as well as the proper care. Usually, a bacterial infection that enters the kidneys from the urinary tract is the cause of these infections.

Kidney infections can cause serious side effects, including irreversible kidney damage. So, a speedy diagnosis and effective kidney infection treatment is necessary. In this article, we'll examine the different treatment approaches and how health insurance can help you bear the medical expenses.

Treatment of kidney infection

1. Antibiotics: An antibiotic course is the mainstay of treatment for kidney infections. The particular bacteria causing the infection and its susceptibility to different drugs influence the choice of antibiotics.

2. Pain management: Severe pain and discomfort are often associated with kidney infections. To reduce symptoms, acetaminophen or ibuprofen are examples of pain relievers that may be advised.

3. Hydration: Drinking enough water is essential for kidney infection treatment. Getting plenty of water improves kidney health overall and aids in the removal of bacteria from the urinary tract. If dehydration is a concern, intravenous (IV) fluids may be given in certain situations.

4. Hospitalisation: Intravenous antibiotics, more medical support, and closer monitoring are all possible with hospital-based treatment.

Health insurance's role in treatment

Ensuring that people receive prompt and thorough treatment for kidney infections is largely dependent on health insurance. Medical costs associated with hospitalisation, prescription drugs, diagnostic testing, and follow-up appointments can be very high.

Depending on the policy, health insurance coverage may help reduce the financial burden by paying all or a portion of these expenses. People should check their policies to determine how much is covered for treating kidney infections. Certain treatments may need pre-authorization under certain policies, and certain networks of healthcare providers may be included.

Conclusion

Kidney infection treatment must be treated quickly and effectively to avoid complications and long-term damage. Antibiotics, analgesics, and fluids are commonly used during treatment, and hospitalisation is needed in more severe cases.

Health insurance is a useful tool for controlling medical costs in addition to guaranteeing that patients have access to the care they need.

People can protect their general health and avoid kidney infections by managing them proactively and being informed about their insurance coverage and available 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 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.

Prompt attention and appropriate treatment are imperative for jaundice, a condition characterised by elevated bilirubin levels that result in yellowing of the skin and eyes. For comprehensive coverage and effective medical interventions, it is imperative to comprehend the treatment of jaundice in the context of healthcare and health insurance.

Treatment of Jaundice

Depending on the underlying cause, there are different approaches to treating jaundice. When jaundice is a sign of a more severe ailment, like liver disease or hepatitis, treating the underlying cause is crucial. Medication, lifestyle changes, or, in extreme situations, surgical procedures may all be part of treatment regimens.

1. Medication: Physicians may prescribe medication to treat the underlying cause of jaundice. Antiviral drugs, for instance, can be used to treat hepatitis-related jaundice, and other drugs can be used to enhance liver function or treat symptoms.
2. Lifestyle Modifications: Individuals with jaundice caused by alcoholism or specific medications must actively change their way of life as a crucial part of the treatment plan. This may involve adjusting medication schedules and completely abstaining from alcohol to restore liver health.
3. Phototherapy: The inability of newborns’ developing livers to properly process bilirubin often results in jaundice. Newborn jaundice is commonly treated with phototherapy, exposing the baby’s skin to particular lights.

When choosing health insurance, jaundice treatment is a crucial consideration.

Insurance policies should encompass a variety of treatment modalities to ensure that policyholders receive essential medical interventions without encountering financial hardship.

To make informed decisions about their healthcare, individuals should carefully review their health insurance plans to understand what is covered and what is not for treating jaundice.

Conclusion

Treating jaundice necessitates a multimodal approach addressing the underlying cause, with the overarching goal of restoring normal bilirubin levels through various interventions, including medication, lifestyle adjustments and specialised treatments like phototherapy. The financial support provided by health insurance is indispensable for ensuring individuals can access the diverse treatments required to manage jaundice effectively. Consequently, understanding the comprehensive coverage offered by health insurance becomes imperative for making informed healthcare decisions, instilling confidence in the treatment process and advancing overall well-being.

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.

High blood pressure, also commonly known as hypertension, is a health condition that impacts millions of people worldwide. It is recognised as a disease risk factor and requires effective management to minimise potential complications. Treating hypertension goes beyond medications, with lifestyle changes playing the most crucial role.

Let’s explore an approach to managing hypertension, highlighting the importance of medical interventions and proactive lifestyle adjustments. By understanding the various strategies, you can take control of your cardiovascular health and strive for optimal blood pressure levels.

Treatment of Hypertension

Navigating the realm of hypertension treatment requires a nuanced understanding of various approaches. From lifestyle modifications to medication, individuals with high blood pressure have diverse options to explore. Let’s delve into the comprehensive landscape of hypertension treatment, exploring the strategies that contribute to better blood pressure management and overall cardiovascular health.

1. Lifestyle Modifications

Effectively managing hypertension involves adopting lifestyle habits that help control blood pressure and promote cardiovascular well-being. Here are some essential lifestyle modifications and treatments to consider:

• Heart Healthy Diet: Embrace a diet with plenty of fruits, vegetables, whole grains and lean proteins. Limit sodium intake by avoiding processed foods in salt and using herbs and spices for flavour enhancement.

• Regular Physical Activity: Participate in brisk walking or cycling for at least 150 minutes weekly. Additionally, incorporate strength or weight training exercises into your routine at least twice weekly to enhance overall fitness.

• Weight Management: Maintain weight through a diet and regular physical activity.

For individuals who are overweight or obese, gradually losing weight can have an impact on reducing blood pressure levels.

• Moderate Alcohol Consumption: It is advisable to limit alcohol intake to levels, which means up to one drink per day for women and up to two drinks per day for men.

• Quitting Smoking and Avoiding Secondhand Smoke: To manage blood pressure effectively, it is essential to quit smoking and steer clear of exposure to smoke. 

• Sufficient Sleep: Make sure you get 7–9 hours of quality sleep every night, as insufficient sleep can adversely affect blood pressure regulation.

2. Regular Blood Pressure Monitoring

The recommended goal for blood pressure is generally less than 130/80 mm Hg for adults, regardless of age; for individuals with health conditions such as diabetes, chronic kidney disease or coronary artery disease, healthcare providers may set blood pressure goals to mitigate associated risks.

3. Medications

Determining the medication for managing blood pressure requires consideration of factors such as specific health conditions, potential side effects and the degree of elevation in blood pressure.

• Diuretics (Water Pills): Diuretics, commonly known as water pills, are often the initial choice in hypertension treatment. These medications efficiently eliminate sodium and water from the body. Some prescribed diuretics include Chlorthalidone, Hydrochlorothiazide (Microzide) and Triamterene. However, it’s important to note that increased urination is a side effect that may reduce potassium levels. Potassium-sparing diuretics, like Triamterene, may be recommended to address this concern.

• Angiotensin Converting Enzyme (ACE) Inhibitors: ACE inhibitors, such as Lisinopril (sold as Prinivil or Zestril), Benazepril (marketed as Lotensin) and Captopril, relax blood vessels by inhibiting a vasoconstrictor, aiding in the management of hypertension. Doctors frequently prescribe medications in this category, particularly for individuals with health conditions like kidney disease or heart failure.

• Angiotensin II Receptor Blockers (ARBs): ARBs offer an approach to treating hypertension by relaxing blood vessels by blocking the action of a vasoconstrictor. Medications such as Candesartan (brand name Atacand) and Losartan (sold under Cozaar) fall into this category. ARBs are generally well tolerated and can serve as alternatives for people who experience side effects from ACE inhibitors.

• Calcium Channel Blockers: Calcium channel blockers help treat hypertension by relaxing the muscles in blood vessels, which can slow down the heart rate. Common drugs in this class include Amlodipine (known as Norvasc) and Diltiazem (marketed as Cardizem). Older individuals and Black individuals may experience greater effectiveness with calcium channel blockers. Consuming grapefruit products while taking certain calcium channel blockers can elevate blood levels of the medication, potentially posing risks. Exercise caution in such situations.

Conclusion

To effectively treat hypertension, it is essential to incorporate lifestyle changes, take medications and regularly monitor blood pressure. One crucial aspect of managing blood pressure and safeguarding heart health is having health insurance coverage. This ensures that you have access to medications and regular checkups, which significantly contribute to managing hypertension and preventing potential complications.

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.

Leukaemia, a form of cancer that affects the blood and bone marrow, requires a comprehensive approach to manage it effectively. This condition involves the production of abnormal white blood cells, which hinders the normal functioning of healthy blood cells. It is crucial to understand leukaemia treatment to develop a personalised and effective strategy against it. It’s important to note that combining therapies with health insurance coverage promises a brighter future in combating this challenging disease.

Treatment of Leukaemia

Leukemia treatment encompasses a variety of tailored approaches based on the type and stage of the disease. Key treatments comprise:

1. Chemotherapy

Essential in leukaemia treatment, chemotherapy employs potent medications to eradicate abnormal cells and regulate their growth. These drugs circulate throughout the body, targeting the bone marrow and abnormal cells in other areas. It’s important to acknowledge that chemotherapy may entail side effects such as nausea, fatigue, and increased vulnerability to infections.

2. Targeted Therapy

Targeted therapy is an approach that focuses on specific molecules involved in cancer growth when treating leukaemia. This therapy aims to minimise damage to healthy cells by disrupting cell activity through targeted methods. Targeted therapy may be easily tolerated compared to chemotherapy, resulting in fewer side effects and a potentially more effective and less disruptive treatment.

3. Radiation Therapy 

Radiation therapy employs high-energy rays to target and eliminate cancer cells. It is often used alongside treatments like chemotherapy, proving effective in localised areas. By concentrating on specific regions, radiation therapy minimises harm to surrounding tissues. While it plays a role in leukaemia treatment, potential side effects can include fatigue and skin reactions.

4. Bone Marrow Transplant

A bone marrow transplant is a medical procedure that involves replacing damaged bone marrow with healthy marrow. This process facilitates the production of blood cells, addressing the root cause of leukaemia. Success relies on finding a donor match. Potential risks are involved, such as graft versus host disease in allogeneic transplants. However, this intervention provides an opportunity for long-term remission and a renewed ability to produce blood cells.

5. Immunotherapy

Immunotherapy utilises the body’s immune system to recognise and eradicate leukaemia cells by enhancing its natural defence mechanisms.

This method includes utilising monoclonal antibodies or immune checkpoint inhibitors to activate the body’s immune system against cancer cells. Immunotherapy as a treatment option has lower side effects in comparison to traditional treatments, but its effectiveness can vary from person to person.

6. Engineering Immune Cells

Medical advancements have made it possible to engineer cells with abilities to identify and combat leukaemia cells. One such innovative approach is CAR-T cell therapy, where a patient’s immune cells are modified outside the body to express receptors targeting leukaemia cells. While this approach holds promise for treating types of leukaemia, further research is needed to understand its long-term effects.

7. Exploration through Clinical Trials

Clinical trials assess the efficacy and safety of treatments or combinations of existing therapies. Those who participate contribute to advancing leukaemia therapies. Although participating in leukaemia research may involve uncertainties, it offers an opportunity to actively contribute to the forefront of research and treatment development, potentially paving the way for effective and personalised options in the future.

Conclusion

The personalised nature of these treatments highlights the significance of collaboration between healthcare professionals and patients in determining the approach for each individual’s needs. A health insurance plan is crucial because it serves as a financial safety net, giving individuals the peace of mind to concentrate on their well-being without the added stress of medical bills. It’s encouraging to see that advancements in research are constantly improving the prospects for leukaemia patients, bringing hope for precise and less intrusive treatment options in the days ahead.

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

Introduction

Myositis is a group of muscle diseases characterised by inflammation, muscle weakness and pain. Dealing with these conditions can impact one’s quality of life and functionality. Understanding how to address myositis to alleviate the associated muscle discomfort is essential.

However, it’s not just about the treatments themselves; understanding the role of health insurance is equally important. On the path to restoring health, the interplay of personalised therapies and dependable health insurance coverage holds the key to surmounting the challenges posed by myositis.

Treatment of Myositis

Navigating the challenges of myositis requires a comprehensive understanding of diverse treatment options for effective management and improved well-being. Let’s explore the various treatments for myositis that can contribute to your journey toward recovery.

• Steroid Treatment

One of the primary interventions involves using steroids, usually administered in doses initially. These potent anti-inflammatory agents are available in tablet or injection form. The timely application of steroids aims to reduce inflammation, alleviate muscle pain and improve the feeling of unwellness.

• Immunosuppressive Drugs

Sometimes, doctors may prescribe drugs to modulate the immune response. This helps manage inflammation and prevent damage to muscles.

• Physical therapy

Physical therapy is crucial in myositis management, enhancing muscle strength, flexibility and overall functionality. A personalised exercise program can significantly contribute to long-term symptom control.

• Pain management

To enhance the treatment plan, healthcare professionals may recommend medications or interventions specifically for pain management.

Conclusion

Treating myositis requires a multifaceted approach. To combat inflammation and relieve symptoms, medical professionals commonly utilise steroids. Alongside medication, physical therapy and pain management strategies play a part in an integrated treatment plan. However, it is important to consider health insurance when dealing with myositis. Comprehensive coverage is essential in ensuring access to medications and treatment of myositis, which can significantly alleviate the burden associated with ongoing medical care.

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

Introduction

Gingivitis, a prevalent and mild form of gum disease, results in irritation, redness, and swelling (inflammation) in the gingiva—the part of your gum surrounding the base of your teeth. Although gingivitis is reversible, it is essential to address it promptly to prevent severe gum issues. Grasping the nuances of gingivitis, comprehending its causes and recognising the significance of treatment is crucial for maintaining oral health and avoiding further complications.

Treatment of Gingivitis

The main objective in the treatment of gingivitis is to control and eliminate factors that contribute to inflammation. Here are some key aspects of treating gingivitis:

1. Dental Cleaning

Professional dental cleaning, also known as prophylaxis, plays a role in removing plaque and tartar buildup. This process involves scaling to remove hardened deposits and root planing to smoothen tooth roots, discouraging buildup.

2. Improving Oral Hygiene

• Brushing: Make sure you brush your teeth at least twice daily and after every meal or snack. Opt for a gentle toothbrush to safeguard your gums and enamel against potential damage.
• Toothbrush Replacement: Changing your toothbrush every three to four months or earlier if the bristles become frayed is essential. This ensures effective cleaning.
• Electric toothbrush: Consider incorporating an electric toothbrush into your oral care routine, as it can be more effective at removing plaque and tartar than manual brushing.

3. Flossing

To maintain dental health, floss daily to get rid of plaque and food particles that accumulate between your teeth and along the gumline. This is especially important for preventing and managing gingivitis.

4. Antiseptic Mouthwash

Your dentist may recommend using an antiseptic or antimicrobial mouthwash as part of your hygiene routine to reduce plaque buildup and combat bacteria in your mouth. It’s advisable to consult with your dentist for recommendations tailored to your needs.

5. Professional Guidance

Regular dental checkups are essential for maintaining health. During these visits, your dentist can advise on improving your dental hygiene, identify early signs of gingivitis, and perform professional cleanings.

6. Dental Restoration (If needed)

In cases where misaligned teeth or fitting dental restorations like crowns or bridges contribute to gingivitis, dental restoration becomes an intervention. Your dentist will conduct an assessment identifying any issues that require adjustments or replacements. This alleviates gum irritation and facilitates easier removal of daily plaque.

Conclusion

It is important to treat gingivitis promptly and adequately to prevent its progression into severe forms of gum disease. Taking care of your teeth, visiting a dentist regularly, and following their recommendations are crucial for managing and preventing gingivitis. It’s worth mentioning that oral health is essential for well-being, and having a comprehensive health insurance plan ensures you can access quality dental care when needed without worrying about the financial aspect of maintaining oral health.

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

Have you ever had the unwelcome surprise of getting food poisoning? It often happens when our food becomes a breeding ground for guests like bacteria, viruses, parasites or harmful toxins. Dealing with the aftermath of food poisoning feels like a detour on our journey to health and well-being. In those moments of discomfort, it's crucial to understand the food poisoning treatment for a swift and effective recovery.

Now, let’s delve into some approaches to managing food poisoning so you can navigate this health challenge.

Treatment of Food Poisoning

Here’s what you need to know about dealing with food poisoning:

1. Fluid Replacement

Think of this as a superhero move. When food poisoning hits, it can leave you severely dehydrated. Drinking fluids and replenishing electrolytes come to the rescue by maintaining the balance your body requires. So make sure to sip on water, sports drinks or oral rehydration solutions to keep everything in check.

2. Antibiotics

If bacteria are responsible for your misery, your doctor might prescribe antibiotics. These powerful warriors specifically target invaders and help speed up your recovery process. Just remember that antibiotics only work against bacteria and are ineffective against viruses causing havoc.

3. Antiparasitics

Now let’s discuss parasites-the unwelcome visitors in your digestive system. Antiparasitic medications serve as the eviction notice for these freeloaders. If parasitic invaders cause your food poisoning, your doctor may prescribe these drugs to eliminate them.

4. Probiotics

Probiotics are the superheroes of your digestion that act as guardians diligently restoring the good bacteria that may have been affected during food poisoning. Think of them as repair crews for your stomach. You can find these probiotics in yoghurt, kefir or reliable probiotic supplements. Incorporating them into your routine can make a difference in getting your stomach on track after experiencing food poisoning.

Conclusion

While food poisoning may disrupt your plans, a strategic approach to food poisoning treatment ensures a return to normalcy. It is important to note that health insurance isn’t only for emergencies; it serves as a partner by covering necessary medical expenses if you need to see a doctor. Remember, recovering from food poisoning is a gradual journey. Follow the guidelines, take the process in stride and soon enough, you will enjoy your meals without any worries. Cheers to regaining health!

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.

Diarrhoea is when you have loose or watery stools more than three times a day or more often than usual. Many things, such as infections, food poisoning, medicines, or diseases, can cause it. Diarrhoea can make you lose water and minerals from your body, which can lead to dehydration and malnutrition. It usually goes away on its own in a few days, but if it lasts longer or you have other symptoms, try the following treatment options.

Treatment of diarrhoea

Diarrhoea treatment is easy. Here is how. 

• Oral rehydration solutions (ORS)

Diarrhoea leads to fluid and electrolyte loss. If you don’t replenish the lost fluid, you can become dehydrated, which can further lead to low blood pressure, rapid heartbeat, confusion, and even death.

Most people prefer drinking water to deal with this. But water alone is not enough. The reason is it does not contain potassium, sodium, and chloride. That is why you need to drink oral rehydration solutions (ORS), a mixture of water, salt, and sugar that helps the fluids and electrolytes restoration.

• Probiotics

Your gut is home to trillions of bacteria. Some of them are beneficial, and some are harmful. When you have diarrhoea, the harmful bacteria can outnumber the good bacteria. This causes inflammation and irritation in your intestines, worsening your symptoms and prolonging your recovery.

Probiotics can help by inhibiting the growth of harmful bacteria and enhancing the function of the good ones.

You can get probiotics from Lactobacillus rhamnosus GG, Lactobacillus acidophilus, Bifidobacterium bifidum, and Saccharomyces boulardii. Besides these, some natural ways to get probiotics include kefir, yoghurt, and other fermented products.

• Zinc Supplements

Zinc can also help by repairing the damage caused by diarrhoea to your intestinal lining, which is the barrier that protects your gut from harmful substances and bacteria. Zinc can also help regulate the secretion of fluids and electrolytes in your intestines, which can help prevent dehydration and restore regular bowel movements.

You can get zinc from meat, seafood, eggs, nuts, seeds, whole grains or supplements such as lozenges, syrups, or tablets. 

• Go Easy on the Diet

When your stomach is upset, give it a break. Stick to easy-to-digest foods. Bananas, rice, applesauce, and toast (you can remember them as the BRAT diet) are good choices. Avoid greasy, spicy, or heavy foods that might upset your stomach more.

• Keep it Clean

Wash your hands often – it is a simple but powerful defence against spreading germs. You may also use hand sanitisers that contain at least 60% alcohol. Also, make sure to disinfect surfaces like doorknobs and bathroom handles.

Conclusion

While most cases of diarrhoea resolve on their own, it is important to keep an eye out for warning signs like severe dehydration, high fever, or bloody stools. If you notice any of these, it is time to call your doctor. It is good to have a comprehensive health insurance policy to deal with medical bills associated with diarrhoea that can arise anytime.

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.