Similar to high levels, ALP low in a blood test can also sometimes indicate underlying health issues.  A doctor’s diagnosis is required in such a condition.

Causes of Low ALP Levels

ALP low level is a very rare condition. An ALP concentration below 30 IU/I is considered low by healthcare professionals. In a blood test, low alkaline phosphatase can result from any of the following conditions:

• Not having enough zinc in your diet, as this element is important for the enzyme's function.
• Hypothyroidism
• Malnutrition
• The autoimmune disease- pernicious anaemia
• Wilson Disease- a rare genetic disorder that causes copper to accumulate in the body.
• Intake of birth control pills

Conclusion

The low alkaline phosphatase normal range by age tends to vary after 30. Most of the tests and diagnoses for low levels of ALP are covered under health insurance, so you can rest assured.

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 human heart comprises four chambers separated by valves. These tiny valves allow blood to flow in and out of the heart in a designated direction. One of them, the mitral valve, keeps blood moving from the left atrium to the left ventricle without a backflow. However, some blood leaks backward when this valve doesn’t close properly. This condition is referred to as Mitral Valve Regurgitation (MR).

Read on to know more about mitral valve regurgitation causes to stay informed.

Causes of mitral valve regurgitation

There are several potential causes of mitral valve regurgitation, and ongoing studies continue to explore them. Some possible causes include:

1. Mitral Valve Prolapse (MVP)

This is one of the most common causes of MR and often occurs with age. In this condition, the valve’s flaps (leaflets) become weak and don’t close properly, leading to leakage.

2. Heart attack (Myocardial infarction)

A heart attack puts immense pressure on the heart and can damage the muscles supporting the mitral valve, leading to improper valve closure. Heart attack is one of the leading causes of mitral valve regurgitation.

3. Rheumatic fever

This is a rare but serious complication of untreated strep throat. It can scar the mitral valve, making it stiff or weak, leading to leakage.

4. High blood pressure (Hypertension)

Long-term high blood pressure can enlarge the heart, affecting the function of all valves. It often puts extra strain on the valve, increasing the risk of regurgitation.

5. Ageing

As humans age, the heart valves may naturally wear out. Over time, the mitral valve may weaken or become stiff, leading to leakage.

6. Congenital heart defects

Some people are born with abnormalities in their mitral valve. These defects can cause regurgitation from an early age or develop later in life.

Conclusion

Knowing about mitral valve regurgitation causes can help with early detection and treatment. Regular heart check-ups can detect MR early, even before symptoms appear. Managing high blood pressure, infections, and heart health can lower the risk of this illness, but you must get yourself checked. Having health insurance will help cover the cost of surgeries related to mitral valve problems and hospitalisation.

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

The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana eligibility criteria differ for urban and rural populations. This is because the eligibility criteria for the Ayushman Bharat scheme derive from an equitable set of parameters.

Ayushman Bharat Eligibility Criteria for Rural and Urban People

PMJAY criteria for rural and urban Indians differ significantly while determining eligibility. Rural households are adjudged eligible or otherwise depending on a set of six deprivation criteria. The urban population is likewise identified depending on their engagement in one of the 11 pre-determined occupational categories.

The eligibility criteria for PMJAY alludes to the following categories of rural people:

a)     D1: Single room households with kucha walls and roof

b)    D2: Families without an adult member in the 16-59 age group

c)     D3:Families without an adult male member in the 16-59 age group

d)    D4: Households with a disabled member and no able-bodied adult

e)     D5: SC/ST families

f)      D6: Families that do not own land and earn by rendering manual casual labour

On the other hand, the parameters based on which the urban criteria for the Ayushman Bharat scheme are devised include the following occupational categories:

a)     Street vendors, cobblers, hawkers and other street service providers

b)    Domestic workers

c)     Rag pickers and beggars.

d)    Construction site workers, plumbers, masons, painters, welders, security guards and other head-load workers

e)     Coolies

f)      Sweepers, sanitation workers, and gardeners

g)     Transport workers including conductors, drivers, cart pullers etc.

h)    Artisans, home-based workers, handicraft workers and tailors.

i)       Washer men and watchmen (chowkidar)

j)      Electricians, mechanics, repair workers and assemblers

k)    Peons, helpers, shop workers, delivery assistants, attendants, waiters

Additionally, all senior citizens aged 70 years and more, irrespective of their socio-economic status and the prevailing geographical distinction, are automatically applicable for health coverage under this flagship scheme of the Indian government.

Conclusion

The eligibility criteria for PMJAY scheme needs to be met for you to enroll in the world's largest government health insurance plan. Ensure that you fulfill all specifications under PMJAY eligibility criteria before applying.

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.

Malnutrition is an imbalance in our food consumption, whether too little or too much. The World Health Organization (WHO) defines it as both a condition of undernutrition and overnutrition. The former can lead to stunted growth, low weight, or deficiency in essential vitamins and minerals. The latter leads to obesity and diet-related diseases like diabetes and heart disease.

In adults, the effects of malnutrition can deteriorate both physical and mental health.

What are the effects of malnutrition?

Malnutrition affects the body and mind in numerous ways, leading to serious health complications. Here are some of the effects of malnutrition:

Physical weakness and immune system issues

A lack of essential nutrients can cause muscle wasting, weakness, and an inability to perform simple tasks. Malnutrition also weakens the immune system, making a person more susceptible to infections and diseases.

Impact on mental health

Poor nutrition is said to lead to low mood, anxiety, and even depression. Key vitamins and mineral deficiencies affect how the brain functions. This results in problems in memory and concentration and may lead to dementia in aged people.

Effects on children and pregnant women

Children suffering from malnutrition grow stunted, are late in their development, and experience difficulties in learning. In extreme cases, it causes lifelong health problems. Poor nutrition in pregnant women exposes them to greater risks of complications during pregnancy and delivery, affecting both the mother and the child.

Overnutrition and chronic diseases

Overnutrition is caused due to the consumption of excess unhealthy food and drink, increasing the possibilities of risk associated with obesity, diabetes, heart disease, or high blood pressure. All these conditions may lead to potentially fatal illnesses such as stroke and kidney disease.

Conclusion

Malnutrition, which refers to both undernutrition and overnutrition, is a rising global issue affecting people of all ages. The effects of malnutrition can be even more serious in children and pregnant women, leading to long-term health complications. It is a treatable condition with early diagnosis and medical care. Health insurance plays a key role in ensuring individuals have the financial support needed to deal with malnutrition-related health issues.

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

When we say "malnutrition," we tend to associate it with hunger and a slim body. It is more than that. Malnutrition means an imbalance of essential nutrients in the body or impaired nutrient utilisation. It can also indicate overeating the wrong food! Thus, there are different types of malnutrition, depending on the reason.

What are the types of malnutrition?

Here is a detail of the different types of malnutrition, what causes them, and how they impact the body.

Undernutrition

Undernutrition occurs when a diet lacks nutrients required for bodily functions, growth, and development. This often leads to micronutrient deficiencies. Common effects include being underweight, stunted growth, and wasting. Undernourished people often suffer from deficiencies in essential vitamins and minerals, which can cause specific health issues.

Undernutrition can be divided into two types. They are:

• Macronutrient undernutrition: A condition of inadequate amounts of essential macronutrients, such as carbohydrates, proteins, or fats. This often results from food insecurity, dietary restriction, or eating disorders. The condition may result in energy deficiency, weight loss, muscle wasting, and compromised immunity.

• Micronutrient undernutrition: Deficiency in essential vitamins and minerals, often due to an unbalanced diet that lacks diversity or overly excessive consumption of a single food group. This can result in anaemia, stunted growth and development, poor immunity, and cognitive deficits.

Overnutrition

It is defined as overeating nutrients, leading to obesity. This condition occurs especially when people consume too much high-calorie, low-nutrient food or high amounts of vitamins while avoiding working out. Overweight and undernourished people may have an excess body weight despite lacking vital vitamins and minerals. This raises the risk of serious health problems such as heart disease, stroke, digestive disorders, type 2 diabetes, osteoarthritis, etc.

Overnutrition can be further divided into two types. They are:

• Macronutrient overnutrition: Excessive energy consumption from macronutrients (fats, proteins, carbohydrates) causes an imbalance in the body. Commonly, a high-calorie diet and lack of exercise contribute to obesity, type 2 diabetes, heart disease, and some cancers.

• Micronutrient overnutrition: Excess consumption of vitamins and minerals, such as vitamin A, iron, and calcium, often because of overconsumption of supplements or fortified foods. This can result in complications such as nausea, organ damage, and metabolic diseases.

Conclusion:

Malnutrition can take many forms, from insufficient essential nutrients to consuming too many unhealthy foods. Undernutrition and overnutrition can lead to severe health problems. Healthcare costs to manage risks related to malnutrition can be expensive. Therefore, having health insurance can be an effective way to handle any such medical expenditures.

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.

An arterial blood gas procedure involves taking a sample from your body's artery. The test measures the levels of oxygen and carbon dioxide in your blood and your blood's pH balance (a balance of acids and bases). Medical practitioners usually order this test in specific emergency cases.

What Should I Expect During an Arterial Blood Gas Test?

Human bodies often closely regulate oxygen and carbon dioxide levels in the blood. Low blood oxygen levels, a condition known as hypoxemia, can cause many serious conditions that can damage a person's organ systems, especially the heart and the brain.

For an arterial blood gas procedure, the respiratory therapist will draw a blood sample from one of your arteries beneath the wrist (radial artery). The blood drawn from the arteries tends to have higher blood oxygen levels than the blood drawn from the vein. Sometimes, they may take a sample from an artery in the arm (brachial artery).

For a newborn who requires the arterial blood collection procedure, the practitioner may draw the sample from the baby's umbilical cord or heel.

Other common names for the blood gas process include:

• ABG
• Blood gas analysis
• Blood gas test
• Arterial blood gases

The arterial blood gas analysis procedure is as follows:

• You'll either sit on a chair or lie in a medical bed.
• A respiratory therapist will locate an artery in your inner wrist. Sometimes, they might use ultrasound imaging to find the artery.
• Once the therapist locates an artery, they'll clean and sterilise it.
• The practitioner will then take a blood sample by inserting a small needle into your artery. At this point, you might feel pain as the needle gets into your arterial region.
• After the needle insertion, blood accumulates in a syringe until there's enough blood sample for testing.
• The therapist will then remove the needle and place a cotton gauze or bandage on the site to stop the bleeding. If you take blood thinners, they may apply pressure for 5 to 10 minutes or longer.
• They'll then place a bandage over the region, and the process is done.

Drawing a blood sample from an artery tends to be more painful than drawing a sample from a vein. This is because arteries are deeper in the body than veins. Nerves also surround arteries. So, as the medical provider draws blood from your artery, you might feel dizzy, light-headed, or nauseated.

Conclusion

A respiratory therapist usually performs the arterial blood gas test procedure by taking a blood sample from the radial artery inside your wrist. The therapist then quickly prepares and sends the sample to a laboratory, where the lab scientists process it for results. As you prepare for the procedure, remember to have reliable health insurance to cover the costs of your medical procedures.

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.

Meditation is an age-old technique that helps ease mental tension and lowers anxiety. It is simple and can be done anywhere. Meditation enhances your psychological and physical health. This blog will discuss meditation benefits and how they help improve our overall well-being.

What are the Benefits of Meditation?

The perks of meditation include people's mental and physical well-being. Other related benefits include:

• Relieves Stress: One of the significant advantages of meditation is stress relief. Regular meditation can lower anxiety levels. It also helps in creating harmony within one’s self, which progresses to ensure we deal with the stresses thrown by life.
• Enhances Concentration: Heightened concentration is another of the positives of meditation. Meditation helps us train our minds to stay stable. This is because meditation teaches our brains to be aware of the present. Consequently, you can work without being distracted by irrelevant thoughts. Among students, the pros of meditation are significant. It enables them to remain focused on their studies and during lessons and tests.
• Increases Positivity: Meditation helps in the growth of emotional health. It develops positive thinking alongside self-awareness. Notably, scientific studies have indicated a higher grey matter volume, which is connected with learning and memory, in individuals who engage in regular meditation. The arrest of age-related memory decline is also one of the meditation benefits for the brain. Hence, regular meditation helps keep an individual’s wits sharp even in an advanced age.
• Health Benefits: Strong immunity and a healthy body are some of the benefits of aum chanting. Aum chanting and other forms of meditation have positive impacts on the body regarding health. Regular meditation can enhance sleep quality and reduce hypertension. 

We live in an era where life’s onward march has become unstoppable. Proper practice of meditation can lead to a balanced, fulfilled life. Similar to how health insurance is necessary to pay for medical expenses, it is also necessary to ensure a happy existence through meditation.

Conclusion

The perks of meditation are not limited to physical health and go on to encompass mental health. It can help you relax and concentrate better, among other things. You should consider including meditation in your daily schedule for improved overall 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.

The types of allergy testing for food include skin testing. The skin prick test is conducted in a doctor's office, with results given within 15-30 minutes. Blood testing is the second type, which measures the IgE antibody level of the food(s) being tested. The third type is the oral food challenge, where the patient is fed continually by increasing the suspected allergy-causing food amounts over a set timeframe. 

This article explores the different types of food allergy testing. Read on.

Types of Food Allergy Testing

Food allergy testing helps determine food allergies. These tests are often reliable when done right and interpreted by a certified allergist. After the procedure, the professional allergist will review and interpret the test results and then use them to present the diagnosis.

The main types of food allergy testing include the following:

1. Skin Testing

The skin testing, or skin prick test, is conducted by an allergist or a nurse. It involves pricking your arm or back skin using a tiny, sterile probe that contains small amounts of the food allergen. The test is not usually painful but can get uncomfortable (itchy).

The skin test is considered positive if a wheal that resembles a mosquito bite bump develops at the site. The wheal (lump) size doesn't determine the severity of your reaction when you eat that food.

2. Blood Testing

The less sensitive blood tests measure the IgE antibody amounts of the specific food(s) under testing. Results are available within 1 to 2 weeks and are reported in number form. The IgE antibody levels given for a particular food don't necessarily determine how severe the reaction will be once you eat the food.

3. Oral Food Challenge

The oral food challenge, which the allergist may recommend, is the gold standard for diagnosing food allergy. During the procedure, the practitioner will gradually feed the patient food suspected of being allergy-causing.

They add the food amounts slowly over a period of time, under close supervision by the allergist. Also, the emergency medical kit must be available throughout the entire procedure.

However, the procedure can be expensive and time-consuming, and sometimes, it can be risky. Hence, healthcare providers do not always perform it routinely. Besides, a challenge can be done to determine if a patient has overcome the food allergy.

A positive test result for a particular food does not always mean that a patient will always react to that food once eaten. Conversely, a negative test helps to rule out food allergies. Also, the tests won't predict how severely the patient will react whenever they eat a particular food. Furthermore, some people can test "allergic" to a particular food (by skin or blood test), yet they show no symptoms when they eat it.

Conclusion

Diagnosing food allergies can be a hurdle. However, you don't have to suffer from the problem in silence. Allergists are highly specialised, with expertise training in testing and diagnosing food allergies. Remember that allergic food reactions can get severe and affect your skin, respiratory and gastrointestinal tract, or even cardiovascular system. Your allergist will prescribe the proper treatment once a positive diagnosis test is proven. It helps to have a good health insurance plan to cover your treatment costs.

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

Research has shown that the brain's functioning can be improved with the help of some simple brain power-increase exercises.

Effective Brain Exercises: Ways to Strengthen Your Mind

You can choose to adopt any exercise to improve brain power and the best thing is that these are highly effective. Maintaining a routine and ensuring that you practice each of them every day can lead to better outcomes. Here are the 12 exercises:

1. Meditation

Highly effective in increasing your brain power, meditation helps you to calm your mind and focus better. Regular meditation practice will help you get rid of brain fog, thus improving functionality. Meditation can also help your brain to get rid of brain ageing. The possibility of the brain to process information faster is another reason why brain exercises, including meditation, are so popular. Meditation can also help you to reduce anxiety levels.

2. Board Games

Playing different kinds of board games can be an exciting way to improve your brain functioning as these games are brain teasers. Various board games are available, including chess and Monopoly, which allow you to put your mind to use. Board games have various difficulty levels, and as you accomplish each level, you move ahead. Board games can play a role in activating your cognitive functions and help improve your reasoning ability.

3. Putting the Non-Dominant Hand into Use

If you want to improve mind power exercise, using the non-dominant hand is a great option. Often, we do not make use of our non-dominant hand, and this can lead to the slowing down of the brain on that particular side. If you are right-handed, try to complete at least a few tasks every day with your left hand and vice versa. Your brain is accustomed to using your dominant hand, and when you use the other one, it can make your brain think harder.

4. Socialise

No matter what people say, socialising can be a highly effective medium to improve your mind power. Talking to people and listening to their points of view can further widen your horizons. You can simply go out and socialise with people, and this can help your brain develop more. Socialising can have a positive impact on debilitating conditions such as Alzheimer's Disease and dementia.

5. Book reading

Reading of any kind is a great activity for your brain to increase its grasping power. If you want to make sure to positively improve your brain power, books can be your best friend. They can help to improve your knowledge about various subject matters and increase your ability to make sense of things.

6. Cognitive Games

The rapid development of various fields has made us open to various options. One such exercise to increase concentration and memory power is none other than cognitive games. Usually, games such as pattern finding and matching missing areas can improve your cognitive abilities. Various types of cognitive games are available online for free; all you need to do is download them.

7. Vocabulary

When it comes to performing exercises that can improve brain functioning, improving your vocabulary is indeed a highly effective method. Research works have often indicated how learning new words can enhance the functionality of the brain. You can learn new words from the dictionary or choose to play various word games. Vocabulary tasks are easily available and they can further sharpen the brain's comprehensive power.

8. Play an Instrument

Playing instruments often has an impact on brain functioning and can curb brain ageing as well. This noble habit can also protect one from mental impairment. Playing an instrument can help you to process and retain information better and have an impact on problem-solving skills. Often, playing an instrument can help you focus on your work and improve your concentration. Along with playing an instrument, listening to music also has an impact on positive brain functioning.

9. Exercise

Physical exercise, along with being great for the body, has a positive impact on your brain. Exercise can help you to get rid of stress and anxiety. Good physical exercise can lead to the release of good hormones to improve self-confidence and work on your motor coordination as well. Physical exercise to improve memory power is the best antidote for the brain.

10. New Language

Learning more than one language can facilitate brain functioning and improve cognitive reasoning. You will notice that individuals who speak more than one language have to make use of their brains more, which can lead to better brain function. Often, bilingualism can have an impact on memory and boost creativity levels. Learning a new language can significantly help reduce cognitive decline and is highly effective for Alzheimer's disease.

11. Memory Games

Memory games are among the most effective ways to improve your brain power, and you can start this with your child as well. Today, with the advancement of technology, there are digital memory games that are easy to play. You can download various memory games available online and play them for free.

12. Jigsaw Puzzles

Solving a jigsaw puzzle is not only a great way to improve your brain functioning but to also sharpen your problem-solving ability. As you keep on developing, you can start attempting to solve more difficult jigsaw puzzle sets. This can also help you to improve your perception and working memory. You can introduce jigsaw puzzles to your children your children as they work on strengthening brain power. Solving crossword puzzles and sudoku is a great way to work on your brain functioning. They can help you to arrest brain ageing and work on the cognitive power of your brain.

Conclusion

Playing various kinds of brain games is a great way to improve your functioning. Brain diseases are often covered under health insurance; hence, regular checkups are mandatory along with securing a good health policy.

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

It’s important to update your mobile number on your Ayushman Card so you can check your health insurance plan details on the PMJAY website.

How to Update Data in PMJAY?

You can do the Ayushman card mobile number update by following these methods:

• Visit the Nearest CSC: Go to a Common Service Centre and request a mobile number update.
• Online Portal: Visit the official PMJAY website to update your details.
• Helpline: Call 14555 or 1800-111-565 for assistance.

Conclusion

Keeping your Ayushman card mobile number updated ensures you’re always connected with vital information regarding your health insurance plan. Stay proactive and update it today!

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.

We all wish to keep our skin glowing, our vision sharp, and our immune systems strong. One healthy way to achieve this is to add fruits with beta-carotene to our diet! Beta-carotene is an antioxidant that our bodies turn into vitamin A, which may help enhance our vision and skin glow. These fruits can help provide nutrients and are easy to add to our daily meals.

List of beta-carotene-rich fruits

Here’s a list of fruits with beta-carotene that can help preserve overall health and wellness.

Apricots

250 grams of fresh apricots or 30 grams of dried apricots provide the recommended dietary allowance of carotenoids. The fruit is also a good source of other antioxidants (including vitamin C and flavonoids) that can protect the body from oxidative stress and inflammation. Their natural fibre content can promote digestion and gut health, while their hydrating properties keep the skin healthy and glowing.

Papaya

Yellow-fleshed papayas contain 152.4 to 331.0 micrograms of beta-carotene per 100 g serving. The fruit also enhances digestion with its natural enzymes. It can assist in breaking down complex foods, such as dairy, beans, and meat. Its high fibre content can help to relieve constipation and calm an upset stomach. Papaya can prevent nausea including morning and motion sickness.

Mango

A 165-gram cup of raw mango contains approximately 10% of the daily recommended vitamin A intake, primarily in the form of beta-carotene. The fruit is also rich in iron and helps combat anaemia and reduce the risk of kidney issues, fever, and respiratory problems. Mangoes also feature the antioxidant zeaxanthin, which may protect against age-related macular degeneration.

Conclusion

Eating fruits with beta carotene, like mangoes, papayas, and apricots, can support eye health, boost immunity, and keep skin glowing. While a nutritious diet can help you keep healthy, some diseases can arise anytime. Having a health insurance plan is thus important for financial security during medical emergencies. It covers unexpected healthcare costs of treatment and hospitalisation.

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

When it comes to eating healthy, vegetables are a powerhouse of nutrients. They help with various body functions. Some vegetables with beta carotene, a powerful antioxidant, may reduce the risk of heart disease and enhance eye health. There are so many tasty ways to pack more of this essential nutrient into our diet.

List of beta-carotene-rich vegetables

Here is a list of vegetables with beta-carotene to add to our daily meals.

1. Carrots

Just one carrot can provide more than the recommended daily intake of beta-carotene. A cup of sliced carrots delivers 120% of our daily requirement! Cooking carrots enhances beta-carotene absorption. Pairing them with a healthy fat like olive oil boosts this even further since the antioxidant is fat-soluble.

1. Sweet potatoes

Sweet potatoes, often called yams, are a naturally sweet and versatile vegetable gaining popularity in our kitchens. They are packed with vitamins, minerals, and fibre. Rich in beta-carotene and vitamin C, just one large baked sweet potato provides over 600% of the recommended daily intake of vitamin A and nearly 100% of daily vitamin C.

1. Spinach

Packed with vitamins, minerals, and fibre, just one cup of cooked spinach provides 105% of the recommended daily intake. Adding spinach into your diet is easy: blend it into smoothies, toss it in salads, or stir it into soups and stews for a nutritious boost!

Conclusion

Including vegetables with beta carotene, like carrots, sweet potatoes, and spinach, in our diet may help strengthen our immune system, protect vision, and reduce the risk of serious conditions like heart disease and cancer. However, even with a healthy lifestyle, unexpected health issues can arise. This is where health insurance plays a crucial role, covering the cost of essential treatments, hospitalisation, and specialised care if serious conditions develop.

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

Are you a nurse looking for fresh opportunities and the chance to explore new countries while advancing your career? The demand for nurses is growing globally, which means exciting, high-paying roles await you.

Plenty of great options exist, whether it's the allure of new surroundings, better financial prospects, or top-tier healthcare systems. Let's find the best countries for nurses to work.

Top countries for nurses to work

Finding the best country to work as a nurse isn’t just about salary. You also want a place with excellent work conditions, benefits, and a high quality of life. We’ve compiled a list of countries offering all this and more. Get ready to explore your future possibilities.

1.   Switzerland

When it comes to high pay, Switzerland is hard to beat. Known for its world-class healthcare system and excellent living conditions, this country offers one of the highest nurse salaries. However, there are some hoops to jump through—like proving language proficiency in French, German, or Italian. But once you’re in, the rewards are impressive.

• Average salary: CHF 82,000 per year
• Top cities: Zurich, Basel, Geneva
• Average monthly cost of living: $2,896

2.   Luxembourg

Luxembourg may be small, but it offers some of Europe's most attractive nursing jobs. Nurses receive reasonably good pay but must be approved on language and licencing tests here. However, once settled, this could be the best country for nursing jobs in terms of high pay and decent living standards.

• Average salary: $56000 per year
• Top cities: Luxembourg City, Differdange, Esch-sur-Alzette
• Average monthly cost of living: $2200

3.   United States

The US is one of the countries with high demand for nurses and pays their nurses according to experience and location. You can find a job in big cities like New York or San Francisco, which are less populated and cheaper regions. Also, there are very good healthcare benefits and support for nurses in the US.

• Average salary: $75,000 per year
• Top cities: New York, San Francisco, Seattle
• Average monthly cost of living: $2,433

4.   Canada

Nurses choose Canada for various reasons, with work-life balance being one of the top reasons and the increasing need for healthcare personnel. Due to open immigration policies in Canada, transferring and migrating for nurses is less of a hassle. Also, there are many options for travel insurance, which makes the relocation much easier.

• Average salary: CA$80,000 per year
• Top cities: Toronto, Montreal, Vancouver
• Average monthly cost of living: $2042

5.   Denmark

In Denmark, nurses get good remuneration, such as free medical services and adequate annual leave days. The high quality of employment and dedication to health professionals in the country represent why this is one of the best countries to work for nurses. It is also easy for English speakers to assimilate, although it is beneficial to learn Danish.

• Average salary: DKK 38,700 per year
• Top cities: Copenhagen, Aarhus, Odense
• Average monthly cost of living: $1,923

Conclusion

If you want to work in another country for a higher salary, more benefits or a different experience, there are many countries where nurses are in demand.

Depending on which of these aspects is most important to you, it will be easier to find the best country for nursing jobs. So, what are you waiting for? Start exploring your options, and remember, getting travel insurance online helps make your transition smoother.

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.  

Looking for a natural way to boost your immunity and overall well-being? Giloy water might be the perfect solution! Known as the “root of immortality” in Ayurveda, Giloy is packed with powerful antioxidants and medicinal properties. From strengthening immunity to improving digestion, the benefits of drinking Giloy water are truly impressive.

List of health benefits of Giloy water

Drinking Giloy water can provide several health benefits. Here’s why you should consider including it in your daily routine:

1. Boosts immunity

One of the biggest Giloy water benefits is its ability to strengthen the immune system. Rich in antioxidants, Giloy helps the body fight infections and diseases, reducing the risk of seasonal flu, colds, and other illnesses. Giloy is often touted as a natural treatment for dengue.

2. Aids digestion

The benefits of drinking Giloy water also extend to gut health. It helps improve digestion, reduce acidity and relieve constipation. Consuming it regularly can support digestive health and enhance nutrient absorption.

3. Detoxifies the body

Looking for a natural way to cleanse your body and feel more energetic? Start your day with a glass of Giloy water. Giloy acts as a natural detoxifier, flushing out harmful toxins from the body. This helps in improving skin health, liver function and overall vitality.

4. Supports respiratory health

Giloy is beneficial for respiratory health as it helps relieve congestion, reduce inflammation in the airways and relieve symptoms of asthma and bronchitis.

5. Promotes skin health

With its anti-inflammatory and antioxidant properties, Giloy helps reduce acne, blemishes and skin irritation. It purifies the blood, leading to healthier and clearer skin.

Conclusion

The benefits of Giloy water make it a fantastic natural remedy for overall health. From strengthening the immune system to promoting skin health and digestion, this herbal drink is a simple yet effective way to maintain well-being and treat symptoms of illnesses like dengue. However, while natural remedies are beneficial, they cannot replace the importance of a solid medical backup. Investing in health insurance plans ensures financial security during medical emergencies. Whether you opt for an individual health insurance policy or a comprehensive family plan, having the right coverage gives you peace of mind and access to quality healthcare. Stay proactive about your health with a mix of natural remedies and smart financial planning.

Yoga has become significantly popular and is the best antidote to dealing with stress. Its popularity can be attributed to its massive physical and mental benefits. This blog discusses yoga asanas for stress relief to help you cope with the problem and lead a healthy life.

Best yoga poses for stress relief

Yoga is an excellent way to manage stress, offering mental and physical relaxation. Below are 10 effective yoga poses to relieve stress and promote calm:

1. Sun salutation: This sequence of poses warms and strengthens the body while aligning your breath with movement. Flowing through postures like the plank, mountain pose, and cobra can release tension and improve circulation, making you less stressed and more energised.
2. Sitting pose (Sukhasana): Sitting with crossed legs and a tall spine, this simple pose encourages deep breathing and calmness. It is often used for meditation, helping to quiet the mind and release stress.
3. Child’s pose (Balasana): This restful pose stretches the back, shoulders, and hips, promoting relaxation. By resting your forehead on the floor and focusing on your breath, you can relieve tension and anxiety.
4. Happy baby pose (Ananda Balasana): Lying on your back, grab your feet, and gently rock side to side. This playful pose stretches the lower back and hips, releasing tension and inducing a relaxed state of mind.
5. Thread the needle pose (Parsva Balasana): From all fours, slide one arm under the other, resting your shoulder and head on the mat. This deep shoulder stretch releases upper back tension and reduces stress.
6. Standing forward fold (Uttanasana): Bending forward from a standing position, this pose lengthens the spine and relaxes the neck and shoulders. The gentle inversion calms the mind and helps relieve anxiety.
7. Cobra pose (Bhujangasana): This gentle back bend opens the chest and lungs, promoting deep breathing. It helps counteract slouching and improves posture, reducing stress in the body and mind.
8. Cat pose (Marjaryasana): On all fours, round your spine as you tuck your chin to your chest. This flowing movement stretches the back and neck, helping to release tension and balance the nervous system.
9. Mountain pose (Tadasana): This grounding pose involves standing tall with feet together and arms by your sides. It encourages stability and mindfulness and helps clear the mind, reducing physical and mental stress.
10. Reclining bound angle pose (Supta Baddha Konasana): Lying on your back with your feet together and knees apart, this restorative pose promotes deep relaxation, reducing anxiety and fatigue.

Conclusion

Although yoga for stress relief is effective, consistent practice is the key. Make sure you create a calm and comfortable space around you. Combine yoga with mindful breathing and other healthy lifestyles such as self-care, balanced nutrition, and proper sleep to reap maximum benefits. Always consult your doctor and get health insurance for financial coverage against illnesses and unforeseen events.

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.

Back pain is a common issue that many people experience, whether due to poor posture, muscle strain, or other lifestyle factors. While medications and therapies can help, practising yoga regularly can be a natural way to relieve back pain. It involves gentle stretches and strengthening exercises that can improve flexibility and alleviate discomfort. If you struggle with back pain, trying yoga can be a perfect new addition to your wellness routine. Let’s explore some of the best yoga poses for back pain relief.

Best yoga poses for back pain

Here are some asanas for back pain that can help you manage and reduce discomfort:

1. Child’s pose (Balasana)

Child’s pose is a gentle resting pose that aids in the stretching of the lower back, hips, and thighs. It allows your spine to decompress and relax, easing tension in the back muscles.

• How to do it: Kneel on the floor, bring your toes together, and sit back on your heels. Stretch your arms forward and lower your torso between your knees. Hold this position for about 30 seconds to 1 minute while breathing deeply.

2. Cat-cow pose (Marjaryasana-Bitilasana)

This pose helps to release tension in the back muscles, improve flexibility, and energise the spine. The gentle movement of arching and rounding the back promotes blood flow to the spine.

• How to do it: Beginning on all fours, place your knees just beneath your hips and your wrists beneath your shoulders. Take a breath and raise your head and tailbone towards the ceiling while arching your back in the cow stance. As you bring your chin to your chest and round your spine (cat stance), release your breath. For one to two minutes, repeat this motion.

3. Downward-facing dog (Adho Mukha Svanasana)

Downward-facing dog stretches the entire back and helps lengthen the spine. Additionally, it fortifies the shoulders and upper back muscles, which can support better posture.

• How to do it: Beginning on your hands and knees, raise your hips to create an inverted V shape towards the ceiling. Press your heels into the floor while keeping your feet hip-width apart. Hold the position for 30 to 60 seconds.

4. Lotus pose (Padmasana)

Lotus pose is a meditative seated posture that promotes relaxation and can gently stretch the lower back. Despite not being a back stretch per se, it aids in posture correction and muscle relaxation.

• How to do it: Sit on the floor with your legs extended. Place your foot on the other thigh while bending one knee, then switch to the other leg. Put your hands on your knees and keep your back straight. Hold for 30 seconds to 1 minute.

5. Triangle pose (Trikonasana)

Triangle pose stretches the spine, hips, and groin while strengthening the legs. It helps alleviate tension in the back and improves overall body alignment.

• How to do it: Put your feet wide apart while standing. With your left foot slightly in, turn your right foot out. Raise your left arm and reach down to your ankle with your right arm. Look up in the direction of your left hand. After 30 seconds of holding the stance, switch sides.

Conclusion

Practising yoga for back pain can be a simple and effective way to find relief. The above yoga poses are suitable for beginners and can be done at home. While these asanas for back pain can help alleviate discomfort, it's essential to practise regularly for the best results. Consider speaking with a healthcare provider if your back discomfort is severe or persists. Additionally, acquiring a good health insurance plan can be beneficial in case you suffer from the long-term effects of chronic back pain. Insurance can provide access to affordable and appropriate healthcare to manage your pain.

Including yoga in your practice not only relieves back pain but also enhances general health. So, take time to stretch, breathe, and find relief through these gentle yoga poses.

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.

Bike insurance covers the cost of repairs in the case of accidental damage to your bike. It also provides financial security for theft, natural disasters, fraud, and third-party liabilities. A bike insurance cover ensures your pocket doesn’t feel the financial setback when encountering unforeseen losses and damages. Regardless of personal or commercial use, a bike insurance policy protects any two-wheeler, whether a scooter, motorcycle, or sports bike. Third-party two-wheeler insurance is a legal requirement, as per the Motor Vehicles Act 1988. Opting for a comprehensive bike insurance online policy offers several add-on choices, such as zero depreciation cover, breakdown assistance, engine and gearbox protection cover, tyre protection, and more, to ensure complete coverage for your bike.  

Let us explore what does bike insurance cover in detail.  

Bike Insurance Policy Inclusions 

The following is a list of some inclusions covered by a bike insurance policy:

• Loss or damage due to natural disasters 

A comprehensive bike insurance policy covers damages/losses incurred due to floods, earthquakes, fire and lightning, storms, cyclones, typhoons, landslides, explosions, and self-ignition, among other things. However, you must check the list of inclusions in your policy under this category. 
 

• Personal accident cover  

 Stay financially secure with PA cover if you are a registered owner-driver of your two-wheeler. You can also extend the coverage to all co-passengers by paying an additional premium on your personal accident bike insurance policy. 
 

• Protection against man-made disasters 

 A bike insurance policy includes all types of man-made mishaps, from thefts to riots, strikes, mischief, external means-induced accidents, and even acts of terror. 

• Third-party liability 

 A bike insurance policy has your back when it comes to third-party liabilities (i.e., damage to a third-party property and injury/death to a third-party person) that involve your bike. With a comprehensive bike insurance plan, you will receive coverage for third-party liabilities as well as your own damage. 

• Additional benefits 

 Many insurers offer a range of extra benefits in the form of add-ons, such as coverage for roadside assistance and towing services. 

Conclusion

When it comes to bike insurance, whether you purchase it online or offline, the main thing is that you need to understand the full scope of the coverage provided for your vehicle. Besides offering financial security, bike insurance gives a sense of relief and provides a safety net against unforeseen circumstances like accidents, theft, natural disasters and third-party claims. 

By renewing your bike insurance online before it expires and taking adequate cover, you are adhering to legal requirements, protecting your investment, and ensuring peace of mind every time you ride on the road.

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.

Good health is a priority for everyone; yet, medical needs can often arise without warning. With the steady rise in healthcare costs, even routine treatments can become a financial burden. This is where having a health insurance policy can help. It eases the hospital care challenges by covering hospitalisation, treatment and related medical expenses. It provides security for individuals and families, ensuring access to quality medical care when it matters most. This makes health insurance an essential safeguard in today’s world.

In this blog, we will explore the importance, benefits, and key features of a health insurance plan.

What is the Importance of Health Insurance?

The following are some reasons why health insurance is important for everyone:

• To get quality healthcare: Poor lifestyle habits, stress and high pollution levels weaken the immune system and lead to various health issues, like diabetes, respiratory diseases, obesity and heart conditions. Since chronic diseases require long-term treatment, having health insurance can help. Many insurance providers also offer complimentary health check-ups, which can help in early detection and timely treatment.
• To deal with medical inflation: Healthcare costs are rising rapidly, and even minor procedures can cause financial strain. Health insurance covers hospital bills and associated expenses such as pre- and post-hospitalisation, ambulance charges, home healthcare, organ donor expenses and daycare procedures. Many policies also cover pre-existing conditions after a waiting period of 1 to 3 years.
• Critical illnesses can strike anyone: Serious illnesses like cancer, heart disease or stroke require long-term treatment. Comprehensive health insurance with a critical illness add-on can provide financial protection, especially for those with a family history of such conditions.
• Timely healthcare for loved ones: Family or senior citizen health plans help meet your loved ones’ healthcare needs easily, allowing you to choose the best medical treatment for them.
• To safeguard your savings: Health insurance covers hospital bills, home healthcare, daycare procedures, AYUSH treatments, ambulance charges and more — ensuring you don’t need to dip into your savings for medical expenses.

Benefits of Health Insurance Plans

The right health insurance plan offers several advantages beyond just covering medical bills:

• Hospitalisation coverage: Covers expenses such as room rent, doctor consultations, surgeries and nursing care.
• Pre- and post-hospitalisation cover: Includes costs of consultations, diagnostic tests and medicines before and after hospitalisation.
• Cashless treatment facility: Enables treatment at network hospitals without paying upfront.
• Daycare procedures: Covers medical procedures like cataract surgery or dialysis that don’t need 24-hour hospitalisation.
• AYUSH treatment coverage: Many plans include Ayurveda, Yoga, Unani, Siddha and Homeopathy treatments.
• Ambulance charges: Covers emergency ambulance services to hospitals.
• Tax benefits: Premiums paid qualify for deduction under Section 80D of the Income Tax Act.
• Peace of mind: Protects against unexpected medical expenses, letting families focus on recovery instead of finances.

What to Look for in a Good Health Insurance Plan?

When choosing a health insurance plan, review the coverage carefully and ensure it suits your needs. Look for policies that offer hospitalisation benefits, pre- and post-hospitalisation cover and cashless treatment across a wide network of hospitals.

Check if the policy covers pre-existing conditions after the waiting period. Also, evaluate the sum insured, exclusions, renewal age limits and additional benefits like wellness programmes. Reviewing the insurer’s claim settlement ratio and customer service record helps make an informed decision.

Conclusion

Health insurance acts as a safety net against rising medical costs. It ensures timely medical care for you and your loved ones without financial stress. By selecting the right plan, you can focus on recovery and well-being with peace of mind.

If you are looking for the right health insurance plan, let us guide you with tailored advice to choose the ideal one that suits your needs.

FAQs

1. How is cashless treatment different from reimbursement in health insurance?

Cashless treatment allows you to receive care at a network hospital without paying up front, whereas reimbursement requires you to pay first and then claim the expenses.

2. Can I add my family members to my health insurance plan?

Many insurers offer family health insurance under a single plan, covering all family members, including dependent parents.

3. How does the waiting period affect my health insurance benefits?

The waiting period is the time you must wait before certain illnesses or conditions are covered. Knowing this helps you avoid claim surprises.

4. Can I increase the coverage of my health insurance plan later?

Yes, most insurers allow you to increase your coverage or add riders at renewal, offering flexibility as your healthcare needs evolve.

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.

Health insurance becomes more important as we age, particularly for older adults over sixty years. Health insurance plans provide financial protection and mental peace in case of unanticipated sickness. Read on to analyse the importance of health care coverage for individuals above 60 years and the aspects that must be considered before selecting a plan.

Pros of Buying Health Insurance for People Above 60

There are several advantages to purchasing a health insurance plan above 60 years of age. A few are as follows:

• Comprehensive Coverage: Health insurance includes hospitalisation, medical bills, and, in some cases, outpatient services. This ensures that you won't face financial hardship when seeking medical assistance. Insurance also covers major chronic illnesses that can occur even when you are in good health.
• Preventive Care Benefits: Many plans have benefits relating to health promotion programs, such as regular check-ups and preventive screening tests. These may help in early detection and management, enabling people to live longer, healthier lives.
• Financial Security: A health insurance plan above 60 years can allow individuals to prioritise essential healthcare needs without worrying about financial strain.
• No Claim Bonus: For many policies, every claim-free year results in an increased assured sum or reduced premium, thus encouraging good health management habits and appropriate use of medical resources.
• Wide Hospital Network: Most insurance companies partner with a network of hospitals, ensuring the availability of cashless medical care services nationwide.

Why Individuals over 60 Must Have Health Insurance

Health insurance plans are akin to essentials for individuals over 60. The primary concern is that older individuals are at higher risk of various health issues, necessitating financial preparedness for potential emergencies. Therefore, having insurance ensures access to quality medical care while maintaining savings. Furthermore, these policies safeguard against rising hospitalisation costs, which can be significant during old age.

Another advantage of these policies is peace of mind, knowing they provide protection in unexpected health situations. Health insurance policies also encourage early detection and treatment through coverage of preventive check-ups, promoting proactive healthcare behaviours among retirees and improving overall health outcomes and quality of life in this age group.

What to Consider When Buying Health Insurance for People over 60?

If you're looking to purchase health insurance, you should consider several factors so that you may access the appropriate policy:

• Coverage Limitations: Before enrolling in any plan, it's crucial to verify if there are provisions for pre-existing conditions or co-pay clauses. This step is essential because certain policies may impose waiting periods before providing coverage for pre-existing conditions.
• Premiums and Deductibles: To find an appropriate policy that works within your budget, compare the premiums and deductibles on different plans. Can you afford the premiums over the deductibles, which increase your out-of-pocket expenditure?
• Network Hospitals: Ensure your provider is partnered with hospitals near your workplace and home. An extensive network of hospitals guarantees better healthcare services without travelling long distances.
• Policy Renewal Age: As you age, consider choosing plans with more comprehensive renewal age limits. A policy with an extended renewability age offers peace of mind due to guaranteed health expenditure coverage in the future.

Conclusion

For individuals over 60, it is important to consider health insurance as an essential investment as it provides financial stability. Ensure that you conduct appropriate research and compare policies to select one that suits all your needs.

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

The cost you bear towards your health insurance referred to as the composite rate, is something you cannot ignore. The two most often used terms in health insurance, ‘composite rate’ and ‘premium’ are essentially the same thing at the core.

A composite rate is an insurance premium based on the average risk profile of a group as opposed to the risk profile of a single policyholder. Composite rate and premium, both, relate to the overall amount you spend to fund your health insurance in any given timeframe, with one year often being the most common measure. A health insurance composite rate calculator can be used for estimating insurance pricing and risk assessment.

How is Health Insurance Premium Calculated?

The health insurance premium is calculated considering the following factors:

• Age: The older we are, the more likely we are to become dependent on one or more medical services. Thus, the common trend is that the young have to pay less premium than their older counterparts.

• Medical History: Pre-existing medical conditions can also dictate the cost of your insurance. Some insurance companies charge high premiums for pre-existing diseases.

• Location: The premiums of the insurance might be slightly higher in regions that bear higher medical expenses compared to those with lower expenses such as rural regions.

Additional Factors That Determine the Composite Rate

Some additional factors that determine the composite rate are:

• Sum Insured: This is the maximum financial help that a health insurance policy shall contribute to the payment of the medical bills. The amount that you get to insure under the policy works hand in hand with the money you pay as a premium.

• Policy Type: The cost of health insurance policies differs based on the coverage they offer. An all-encompassing plan will cost more than a completely bare-bones basic one.

Conclusion

A health insurance composite rate calculator helps you find your way around the key aspects of health insurance costs. When the elements influencing the premium become familiar to you, it becomes easy to choose the right health insurance plan with the optimal degree of coverage and pricing. So, always do your research to avoid any major headaches or wallet issues later on!

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.