Every year, October 12 marks World Arthritis Day. Arthritis is an ailment that many people, particularly those in the age bracket of 60 and above, deal with. The ache and stiffness in the joints can make everyday tasks like walking or holding a cup challenging. The number of people being diagnosed with this painful ailment is rising manifold. According to statistics presented in ‘Number of cases of arthritis in senior citizens across India from 2011 to 2050', until 2020 40.8 million senior citizens were affected by this condition. And the report forecasted this number to increase to 96.7 million by 2050.

This World Arthritis Day, let's pause a bit and see how we can support our elderly loved ones deal with this group of conditions. And how choosing the right health insurance policy can help them avail timely diagnosis and medical attention.

Understanding Arthritis in Seniors

Arthritis is a group of conditions categorised by stiffness and inflammation in the joints. Pain in the joints reduces one's mobility and affects his/her quality of life. The most common types in older adults are osteoarthritis and rheumatoid arthritis. Osteoarthritis happens when the protective cartilage between the joints wears down or undergoes changes in structure, making movement painful. Rheumatoid arthritis is diagnosed when the body's immune system attacks the joints, resulting in swelling and pain.

Although there is no cure for this ailment, with the right care, senior citizens can manage the symptoms of this chronic condition. Individuals diagnosed with arthritis require ongoing medical care, and this is where a comprehensive healthcare policy can come in handy in availing quality healthcare.

Choosing the right health insurance policy for Arthritis care

When it comes to arthritis, having adequate health insurance is vital. Here are some factors to consider when selecting a healthcare plan for arthritis care:

1. Doctor Visits: Senior citizens coping with arthritis need regular check-ups with specialists. See to it that the insurance plan covers these visits.
2. Medications: Managing arthritis often requires ongoing medication. Your chosen health insurance plan must cover the medication expenses.
3. Physical Therapy: This can help keep the joints moving and reduce pain. A good health insurance plan should cover these sessions.
4. Surgery: Sometimes, surgeries, like joint replacement, are necessary. So, your health insurance plan should cover such procedures.
5. Help at Home: As arthritis progresses, some senior citizens might need domiciliary care. Check if the insurance plan covers domiciliary treatment.
6. No Upfront Payments: Choose a plan that offers cashless hospitalisation, so if senior citizens need to go to the hospital, they don't have to worry about cash for treatment.
7. Wellness Programs: Some offer wellness programs to help with exercise and diet, which can help manage arthritis.

A comprehensive healthcare plan will help cover expenses related to doctor consultations, medicines, physical and occupational therapy, and surgical interventions. Although arthritis is not considered a critical illness, a critical illness insurance plan may cover certain arthritis-related conditions, such as cardiomyopathy. Hence, investing in both, a standard health insurance policy and a critical illness insurance policy, will offer complete peace of mind.

Conclusion

Arthritis can be a life-altering condition, but having adequate health insurance can make things easier. On World Arthritis Day, why not check if your loved ones have the necessary insurance coverage? With adequate and reliable insurance coverage, they can get regular check-ups, the medicines they need, and treatment. Let's underline this year's theme - It's in Your Hands, Take Action.

Celebrated on October 1 every year, World Elderly Day is dedicated to honouring and appreciating senior citizens. It's a day to recognise their contribution to society and consider how we can better support them as they grow older. As our loved ones age, it's important to ensure they get the right care and support they need. World Elderly Day also serves as a reminder for our elders to focus on their well-being.

Understanding World Elderly Day: A global tribute to senior citizens

The United Nations commemorates World Elderly Day to raise awareness of the issues senior citizens face and celebrate their significant contribution to our society. The day highlights the importance of providing respect, care, and dignity they deserve. Many face declining health, social isolation, and economic hardship as they age. Addressing these concerns can build a society where the elderly are respected and enjoy security and comfort in their golden years.

To help the elderly, especially those living alone, taking good care of their nutrition is essential. Providing regular groceries or hiring a cook can significantly lessen their burden of daily chores and help them focus on taking care of themselves. In addition, making sure they take their medications on time is crucial for maintaining their health and preventing further medical issues. These small but necessary steps can make a significant difference in the lives of senior citizens.

How to choose the right health insurance plan for senior citizens

As our loved ones age, their health issues become more complex, and they need frequent medical attention. Selecting the appropriate senior citizens' health insurance plan ensures they get the necessary medical care without paying a heavy premium. Here are some key factors to consider when choosing a health insurance policy for the elderly:

1. Coverage for pre-existing conditions: Many older individuals have pre-existing health conditions that may require treatment and medication regularly. Choosing a health insurance plan that covers these conditions without long waiting periods is essential. Some policies may exclude certain pre-existing conditions or charge higher premiums, so check the document carefully before making a decision.
2. Comprehensive hospitalisation benefits: Senior citizens may need hospitalisation due to age-related health issues. A good health insurance plan should cover hospitalisation costs, including room rent, ICU costs, surgeries, and other associated expenses. In addition, some plans reimburse daycare treatments that do not require overnight hospitalisation but still incur high medical costs.

1. Cashless treatment: Cashless treatment facility is an important feature to look for in health insurance plans for the elderly. With this facility, policyholders can receive treatment at network hospitals without having to pay upfront. The insurer settles the bill directly with the healthcare establishment, reducing the financial burden on the elderly and their families.

1. Adequate sum insured: Healthcare costs increase with age, so choosing a policy with a higher sum insured is important for adequate coverage.

1. Preventive health screening: Regular health check-ups are essential for early detection and prevention of diseases in the elderly. Many senior citizen health insurance plans offer coverage for preventative health check-ups, ensuring that older people can seek timely diagnosis and treatment without worrying about the associated costs.

1. Coverage for domiciliary treatment: As mobility decreases with age, it may not be possible to shift senior citizens to a hospital. Also, doctors may allow senior citizens to undergo treatment at home if they need regular care. Consider a health insurance policy that includes domiciliary treatment, allowing your loved ones to receive care in the comfort of their own home.

Conclusion

Celebrating World Elderly Day is a way to recognise the wisdom, experience, and love that the elderly bring to our lives. It also serves as a reminder to cherish and support them. By selecting the right health insurance plan, we can ensure our loved ones receive the best possible care. A variety of senior citizens' health insurance is available in the market, so ensure that you scour through the options and select the best that suits your elders' needs and your pockets.

With regard to keeping up with our well-being, we frequently consider traditional medicines and treatments. However, there is a developing interest in elective therapies like massage therapy for overseeing different medical problems. One inquiry that regularly emerges is whether healthcare coverage includes massage therapy. In this blog, we'll explore the answer to the question: does health insurance cover massage therapy?

Is Massage Therapy covered by Health Insurance?

Here are some vital points to consider regarding whether health insurance covers massage therapy.

• Medical Necessity:

  Health insurance might provide coverage for the expenditures incurred for massages considered medically significant. In such cases, a healthcare provider should recommend the therapy as a component of a treatment plan.

• Policy Terms:

  Even when health insurance covers massage therapy, there may be limitations or maximum amounts payable during a policy term. These limits can vary significantly from one insurance plan to another.

• Types of Massage:

  The type of massage and its purpose can also affect coverage. Generally, insurance is more likely to cover therapeutic or medically oriented massages rather than those for relaxation or stress relief.

• Out-of-Network Providers:

  Insurance plans frequently maintain networks of preferred healthcare providers. If you choose a massage specialist outside your insurance provider's network, your coverage may get restricted, and you may need to cover more costs out of pocket.

Conclusion

Whether your health insurance will pay for massage therapy mainly depends on the details of your policy and whether it’s medically required. It's essential to consult with both your healthcare provider and your insurance provider to see whether you meet all requirements for receiving coverage for such alternative modes of treatment.

Mental health awareness has grown lately, driving more individuals to seek treatment and advice to address their emotional and mental well-being. Nonetheless, therapy can be costly, and numerous people wonder whether their healthcare coverage will take care of the expense. In this blog, we'll explore the common question: "Does health insurance cover therapy?"

Is Therapy Covered by Health Insurance?

With regards to therapy, the primary question is: Does your health insurance have you covered? How about we break it down and check whether your protection plan can facilitate the expense of seeking mental well-being support.

• Type of Health Insurance:

  The extent of therapy coverage relies upon the kind of medical coverage you have. Employer-sponsored plans, private insurance, and government initiatives might offer various levels of inclusion.

• Provider Network:

  Health insurance plans often have a network of preferred providers. If you choose a therapist within this network, your coverage may be more comprehensive. Going out of network can result in higher costs and denial of coverage.

• Therapy Type:

  Different types of therapy (individual, group, family, etc.) may be covered to varying degrees. Make sure to check your policy for specifics.

• Annual/Lifetime Limits:

  Some insurance plans may impose limits on the total number of therapy sessions covered in a year or over your lifetime. Be aware of these limitations.

• Covered Diagnoses:

  Your health insurance policy might specify the mental health diagnoses they cover. Common conditions like depression and anxiety usually get included; however, different conditions may not be.

Conclusion

Although some insurance plans assist with treatment costs, reading your policy carefully is vital. If you're uncertain about any aspect, consult your insurance provider for clarity. Remember, dealing with your mental wellness is truly significant, so it's worth the additional effort, regardless of whether it includes managing insurance details.

Carpal Tunnel Syndrome develops in individuals who do lots of repetitive hand and wrist movements. The symptoms can even become severe, and one may need surgery to improve the clinical condition. If youre wondering whether your healthcare coverage will help pay for it, here, we'll explore does health insurance cover carpal tunnel surgery and give you the information you want clearly.

Is Carpal Tunnel Surgery Covered by Health Insurance?

Orthopaedic surgeons only recommend carpal tunnel surgery when several other treatment options have failed, and the surgical procedure is deemed medically necessary. This is a crucial criterion for insurance coverage.

Most health insurance policies in India typically cover the cost of carpal tunnel release surgery. Here's what you need to know -

• Pre-Approval:

  Before booking your surgery, it's crucial to reach out to your insurance company and get familiar with their rules for covering it. Quite a few insurance companies ask for approval or permission before you go ahead with elective surgeries.

• In-Network vs. Out-of-Network:

  Utilising in-network healthcare providers and facilities can significantly affect the cost coverage. Services provided in-network often come with more favourable terms in insurance policies.

• Medical Necessity:

  Your surgeon must demonstrate that the carpal tunnel surgery is medically necessary, meaning it is required to maintain or improve your health. This is often a prerequisite for insurance approval.

• Documentation:

  Keeping detailed records of your diagnosis, treatment history, and recommendation for surgery is vital. This documentation is crucial when dealing with insurance claims.

Conclusion

Health insurance coverage for carpal tunnel surgery is generally available, but several factors influence the extent of coverage. It is essential to research your policy's terms and conditions, obtain pre-approval if required, and choose in-network providers whenever possible to maximise your benefits.

Whether or not healthcare coverage covers fractures is a typical concern for many people looking for it. Fractures, frequently brought about by accidents or falls, can prompt substantial medical costs, and understanding the level of insurance coverage for such wounds is crucial. Here, we will explore the inclusion of fractures in Mediclaim or health insurance policies.

Does health insurance cover fractures?

Many people wonder does health insurance cover fracture. Here's what you can expect from your Insurance provider -

• Fractures as an Outpatient Procedure:

  In amany cases, fractures get treated as a component of outpatient care (OPD). This implies that the patient doesn't need a lengthy emergency hospital stay. Patients usually undergo treatment at a hospital, but the duration is less than 24 hours, making it an outpatient strategy.

• Limited Coverage in General Health Insurance:

  In general, standard health insurance policies do not provide direct coverage for fractures since they are often managed as OPD cases and do not require hospitalisation.

• Some Plans Offer Limited OPD Coverage:

  However, there are specific health insurance plans that do cover a limited amount of outpatient expenses, including fracture treatments.

• Policy Variability:

  The coverage for fractures can vary significantly between different insurance providers and policies. For example. Some policies may cover ambulance charges and offer daily hospital cash. It's fundamental to carefully review the conditions of your particular healthcare plan to decide if fractures are covered and to what extent.

• Riders and Add-Ons:

  Some insurance policies offer riders or add-ons that permit policyholders to enhance their coverage. You can explore options like accidental injury riders, which may include coverage for fractures.

Conclusion

So, is fracture covered in Mediclaim or health insurance? The answer largely depends on the specific policy you hold. While standard health insurance policies may not provide comprehensive coverage for fractures treated as outpatient procedures, some plans do offer limited coverage for such expenses. Talk to your insurer to get clarity and peace of mind.

Child vaccinations are a crucial part of keeping your little one healthy and protected from various diseases. When it comes to covering the cost of these vaccinations, many parents wonder whether their health insurance plans to foot the bill. In this blog, we will explore answers to the question "Is child vaccination covered by insurance?" and provide some insights into things that you should consider if you want to cover your child's vaccination covered under insurance.

Child vaccination coverage

Child vaccination coverage in a health insurance policy usually includes the cost of vaccines recommended by national health authorities. These vaccines protect against diseases such as measles, mumps and polio which mostly affect children. Some insurance plans may cover the full cost of these vaccinations, while others might offer partial coverage or impose certain limits.

Benefits of child vaccination coverage

1. Financial Protection: Vaccinations can be costly, especially for diseases where multiple doses are required. Health insurance coverage can provide useful financial relief to parents, making sure that essential preventive measures are accessible and affordable to the larger public.
2. Disease Prevention: It is important to get vaccinated in order to prevent the spread of infectious diseases. Parents who have insurance coverage ensure that their children are vaccinated properly and timely, improving overall public health.
3. Peace of Mind: In addition to providing peace of mind, knowing that your child's vaccinations are covered by insurance allows you to focus on their health and well-being rather than worrying about the extra costs that accompany illness and medical emergencies.

Limitations and considerations

To better understand the scope of health insurance plans and is child vaccination covered by insurance, keep the following in mind:

• Routine vaccination:

Most health insurance plans cover routine childhood vaccination as part of Preventive care. These vaccinations protect children from diseases like measles, mumps, Rubella and more. They are typically administered according to a schedule recommended by health authorities.

• Vaccine cost

While insurance often covers the cost of vaccines, there may be some associated expenses, such as co-payments or deductibles. It is essential to check your insurance policy details or speak with your insurance provider to understand any out-of-pocket costs.

• Non-routine vaccinations

In some cases, children may require vaccines that are not part of the standard immunisation schedule such as travel vaccines or vaccines for specific health conditions. The coverage of these non-routine vaccinations may vary, so it's crucial to check with your insurance provider.

• Government programs:

In addition to private health insurance policy government programs like Medicaid and the Children's Health Insurance Program (CHIP) provide coverage for child vaccination. These programs aim to ensure that all children have access to essential vaccines regardless of their family's income.

How to buy health insurance coverage for child vaccination

To obtain health insurance coverage for child vaccinations, consider the following steps:

1. Research Insurance Providers: Look for insurance companies that offer plans with vaccination coverage. Do a comparison of the policies available and pick the one that serves your needs.
2. Compare Plans: Evaluate health insurance policy based on factors such as premium costs, coverage limits, waiting periods, and the specific vaccinations covered.
3. Understand Policy Terms: Thoroughly read the policy documents to understand the inclusions, exclusions, and any conditions related to vaccination coverage.
4. Consult with an Insurance Advisor: If you are uncertain about the details, consult with an insurance advisor to get clarity on the best plan for your child's vaccination needs.
5. Purchase the Policy: Once you have selected a suitable plan, complete the application process, submit the necessary documentation and pay the required premium to activate the policy.
6. Schedule Vaccinations: After the policy is active and any waiting periods have passed, schedule your child's vaccinations at a network hospital or clinic to ensure coverage.

Conclusion

Thus, the simple answer to the question - of is child vaccination is covered by insurance is that it depends on the coverage. The extent to which children health insurance covers child vaccines can vary based on the type of vaccination whether it's part of the routine immunisation schedule, a travel vaccine or an optional vaccine. It is essential to review your insurance policy's terms and conditions to understand what vaccinations are covered and any associated 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 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.

Cochlear implants are remarkable devices that can transform the lives of persons with severe to profound nerve deafness, allowing them to regain or significantly improve their hearing. However, one common question that arises is, "Does health insurance cover cochlear implants?" Here, we will explore the typical scenario regarding health insurance coverage for cochlear implants.

Are cochlear implants covered by health insurance?

Let's break down the key points when it comes to health insurance coverage for cochlear implants -

• Standard treatment:

  Cochlear implants get recognition as a standard and effective treatment for severe to profound nerve deafness. Owing to this recognition, most health insurance companies cover the cost of cochlear implants.

• Assessment and eligibility:

  In both public and private healthcare settings, a person must undergo a thorough assessment to determine eligibility for cochlear implantation. Factors such as hearing loss severity and medical history play a vital role during this assessment.

• Additional cost:

  While the core cost of the cochlear implant itself is often covered, there may be associated costs such as follow-up appointments, audiology services and speech therapy. Coverage for these additional expenses may vary depending on your insurance policy’s terms and conditions.

• Lifetime caps or limits:

  Be aware of any caps or limits your insurance policy may have. Some policies may impose a maximum benefit amount for cochlear implants or related services over your lifetime.

Conclusion

In general, most health insurance companies cover cochlear implants. However, the specific terms and extent of coverage can vary from one policy to another, so it's essential to review the details of your insurance plan, including any co-payments, deductibles or pre-authorisation requirements. If you or a loved one is considering cochlear implants, consulting with your insurance provider and healthcare professional can help you navigate the coverage process and access this life-changing device.

Health insurance is a vital component of healthcare, offering financial protection and peace of mind. However, one pressing question that arises is, "Does health insurance cover HIV(Human Immunodeficiency Virus) treatment and care? Even though there has been a small drop in the number of HIV cases over the years, the majority of health insurance companies do not cover individuals with HIV. However, a handful of companies offer health insurance for HIV patients in India.

Is HIV covered by health insurance?

Let's delve into the topic: "Does health insurance cover HIV?" and shed light on the exceptions.

• Limited coverage:

  Unfortunately, many insurers do not provide coverage for individuals living with HIV. This has been a longstanding issue primarily due to the high cost of HIV treatment and the potential for long-term medical care.

• Specific policies:

  Some insurance companies in India have introduced specialised policies to provide coverage for people living with HIV. These customised policies meet the unique needs and even certain complications associated with the disease.

• Stringent requirements

  To qualify for HIV-specific health insurance, an individual may need to meet specific criteria such as maintaining a certain level of health or adhering to prescribed treatments.

• Government initiatives

  In some cases, Government-sponsored health insurance schemes may provide limited coverage for HIV treatment and care. These programs aim to support HIV-positive individuals with necessary medical services, but the extent of coverage may vary.

Conclusion

It's important to carefully read and understand the terms and conditions of any policy and ensure that you meet the eligibility criteria. If you are living with HIV, it is advisable to explore all available options and consult with your insurance provider to find the best solution for your healthcare needs.

Hepatitis A is a condition which causes inflammation of the liver. This inflammation is causes by Hepatitis A virus which spread by the intake of contaminated food or water, or coming into direct contact with an infected person. If acute, Hepatitis A can become a major health crisis. Here health insurance plays an important role in ensuring that individuals have access to medical care when they need it. However, the range of coverage can vary depending on the type of health insurance plans you have and the specific medical condition in question. Let's answer your question "is Hepatitis A covered by insurance" and provide some insights into what you should know.

Does Health Insurance Cover Hepatitis A?

When it comes to Hepatitis A, coverage under health insurance plans can differ. Here are some key points to consider to understand is Hepatitis A covered by insurance -

• Standard health insurance:

  Most standard health insurance plans typically cover Hepatitis A. Therefore, if you have a standard health insurance policy you can generally expect coverage for the diagnosis and treatment of Hepatitis A.

• Deductibles and co-payments:

  You may need to pay a certain amount out of pocket before your insurance kicks in and you may also be responsible for a portion of the treatment cost as a co-payment.

• Out-of-network provider:

  If you seek treatment from an out-of-network health care provider, your insurance coverage may be different. It's usually more cost effective to receive care from an in-network provider as they have negotiated rates with your insurance company.

• Preventive measures:

  Preventive care can protect you from Hepatitis A and your insurance might cover these vaccines as part of your benefits.

Conclusion

By now you should have a fair idea about is Hepatitis A covered by insurance. In general, Hepatitis A is covered by most standard health insurance plans. To ensure that you are fully informed about your coverage, review your policy documents and don't hesitate to speak to your insurance provider if you have any questions. Remember that staying up to date on vaccines and seeking care from an In-network provider can help you make the most of your health insurance benefits while safeguarding your health.

Viral infections typically cause hepatitis, an inflammatory condition of the liver. However, individuals can acquire it by misusing specific drugs, medications, toxins and alcohol. An alternative scenario involves autoimmune hepatitis, wherein your body generates antibodies targeting your liver tissues. As the cost of treatment associated with this ailment is quite expensive, here, we will discuss - is hepatitis B covered by insurance.

Does Health Insurance Cover Hepatitis B?

As medicines prescribed for Hepatitis B are generally expensive, some patients may have to meet certain conditions for their health insurance policies to cover them. If complications arise, there may be the need for surgery and hospitalisations, which can be costly.

Health insurance coverage can actively alleviate the financial burden associated with this disease.

• The predetermined payout may be available if you purchase a healthcare policy with a critical illness rider (which covers hepatitis) and are later diagnosed with this disease.
• The insurance company may only cover the cost of medications in some cases.
• It's essential to recognise that obtaining health insurance following a Hepatitis diagnosis could lead to one of two potential outcomes: facing increased premium costs or a denial of coverage from the insurance provider.

Conclusion

Health insurance coverage for Hepatitis B varies among plans and providers. While many insurance policies cover diagnostic tests, vaccinations and treatments for Hepatitis B, individuals should carefully review their specific plan's terms and coverage limits to ensure they receive the necessary care for this infectious liver disease.

Sleep apnea is a disorder with the potential to be quite severe, characterised by recurring interruptions in breathing that occur while one is asleep.

If you snore loudly and still feel tired despite getting a full night's rest, you may be experiencing sleep apnea. Individuals suffering from sleep apnea may find it essential to have health insurance coverage for this disorder.

Insurance coverage for sleep apnea treatment depends on the plan and the patient's needs. Let's discuss the key points regarding does health insurance cover sleep apnea.

Is Sleep Apnea covered by Health Insurance?

• Health insurance policies can cover sleep apnea. However, it is important to note that the scope of a policy's coverage may vary depending on the plan type and the condition's severity.
• Insurance companies may decline a policy application if they consider sleep apnea a pre-existing condition. Insurers do not include a disclaimer for sleep apnea because they do not think it is life-threatening. You must disclose any pre-existing conditions when applying for a policy to avoid future claims rejection.

The following are some key terms and conditions of nearly all comprehensive health insurance policies.

• All pre-existing diseases must be disclosed when submitting the proposal form to prevent rejection of claims in the future.
• The insurer may require you to undergo tele- or physical examinations, depending on your age as well as health condition.
• All healthcare policies require that you serve a waiting period during which you cannot make a claim for costs incurred for the treatment of certain diseases. The waiting period may vary between plans.

Conclusion

Understanding the specifics of one’s insurance plan is essential to managing the costs associated with sleep apnea care.To ensure they receive the necessary treatment for this potentially serious condition, individuals with sleep apnea should review their insurance policies carefully, work with their healthcare providers to meet coverage requirements and understand the clauses of their plans.

During a coma, a person is unresponsive to his/her surroundings for an extended period. Some causes of comas include diabetes, a lack of oxygen, seizures, strokes, and traumatic brain injuries. Depending on its severity, the condition may last for a single day or even several years. Hence, the question, "Does health insurance cover coma?" comes to the fore. Let's look at the factors that define the answer to this common query.

Is Coma covered by Health Insurance?

• An optional supplement to a health insurance policy is a critical illness rider. It offers coverage for specified critical illnesses or medical conditions when added to an insurance policy. If one of these conditions gets diagnosed while the policy is in effect, the policyholder may be eligible for a lump sum payment that will help with any associated medical costs or other needs.
• In the absence of a critical illness rider, the insurance policy will continue to be in effect if the policyholder slips into a coma as long as the premiums get paid on time. As long as the premiums are up to date, the policy remains in effect even if the policyholder remains unconscious.
• Usually, no benefit is paid out if the policyholder lives through the policy term (that is, he/she is still alive when the policy term expires). But if the insured person passes away during the tenure of the policy, the beneficiary receives the sum assured. If the insured person lives past the term of the policy, there will be no payout or return of premiums.

Conclusion

A coma is a serious medical emergency whose treatment depends on the extent of the illness. A person who has been diagnosed with the illness should be rushed to the hospital as soon as possible, as a delay may worsen the situation. It is always advisable to have an insurance policy for such emergencies.

Nearly 43% of people in India suffer from depression, a mood disorder that affects the way people think, feel, and act. A person suffering from4 depression suffers from feelings of sadness and starts to feel uninterested in day-to-day activities. But depression can be treated with the help of therapies, eating nutritious food, exercising regularly, getting adequate sound sleep, and other lifestyle changes along with medical intervention. This brings the question, "Is depression covered under insurance?" to the fore.

Here, we will understand does health insurance cover depression.

Is depression covered under insurance

The answer to the query, "Is depression covered under insurance?" is a resonating Yes.

The healthcare policies in India provide coverage for depression. The Insurance Regulatory and Development Authority of India makes it mandatory for all insurance providers to cover mental illnesses like depression under health insurance.

• Depression is regarded as a mental illness and is covered under mental health insurance plans.
• If a person is suffering from depression before purchasing a policy, he/she is required to produce medical proof and an underwriting about the illness for it to be considered a pre-existing disease.
• Before covering problems like depression in the policy, the insurance provider will impose restrictions with respect to a waiting period. This waiting period is usually 2-4 years but varies from insurer to insurer as well as the chosen plan.

Conclusion

Managing depression often involves adopting a healthy lifestyle, which can include maintaining a regular exercise regimen, getting sufficient sleep (typically 7-8 hours), managing stress, and enhancing one’s self-esteem. Although health insurance plans in India provide coverage for depression, easing your financial burden in times of medical crises, consulting a medical practitioner regularly makes it easy to deal with such mental health issues.

Arthritis is a health condition that affects almost 180 million people in India. People diagnosed with arthritis experience sudden episodes of pain in the joints, which makes it even more challenging to deal with during travelling. It causes inflammation in the joints and stiffness in the muscles and affects a person's ability to move. Although it mostly affects people belonging to older age, it can affect persons of all age groups. So, including coverage for arthritis in your health insurance policy for yourself and your parents becomes imperative.

The majority of insurance providers offer health and travel insurance policies that cover arthritis. Here, we will decipher does health insurance cover arthritis.

Is Arthritis covered by Health Insurance

Yes, health insurance companies in India cover arthritis. Some important aspects of this coverage include the following -

• The health insurance coverage includes treatment for rheumatoid arthritis, osteoarthritis, gout, and psoriatic arthritis.
• Arthritis gets covered under pre-existing disease conditions, but a few health insurance plans may not cover it, or there may be certain restrictions like waiting periods or higher premiums. So, check with your insurer and read the policy document carefully.
• Health insurance covers the medical costs related to therapies and treatment.

One should also consider a travel insurance plan that covers arthritis, as it is a health condition that may make it difficult for a person to travel; a person may even require special accommodations. Moreover, a travel insurance plan for arthritis helps you cover costs related to trip cancellations or interruptions due to health issues associated with the condition, like joint pain and flare-ups. It will also cover costs related to complications/treatment required while travelling and even emergency medical evacuation.

Conclusion

Here, we have dealt with does health insurance cover arthritis and how it impacts an individual. Arthritis is a medical condition that requires medical attention as it causes sudden pain, which at times becomes unbearable to manage. It might become a cause of financial burden in the absence of an appropriate health insurance plan. So compare various plans and choose one wisely.

Healthcare coverage plays an essential role in providing access to fundamental medical benefits. However, with regard to hearing aids, people frequently question whether their health insurance plans incorporate inclusion for them. Here, we will discuss whether health insurance typically extends coverage to hearing aids and to what extent.

Are Hearing Aids Covered by Insurance?

Coverage plans offered by insurance providers come in all forms in terms of features, limitations, and exclusions. So naturally, some may cover hearing aids while others won't. If you want to find out does health insurance cover hearing aids, you have to do the following -

• Contact your insurance company:

  It's the first thing a person would and should do. Doing so gives you a basic idea about the amount and areas of coverage. Even if your insurance policy covers hearing aids, it would still be beneficial to know more about it.

• Review your policy document:

  Read your insurance policy document to know whether you will receive coverage. Some policies offer coverage if a policyholder requires hearing aids due to an accident or an illness covered by the policy. Some insurers offer coverage as an add-on cover or include it in a standard healthcare plan.

• Get a prescription:

  You would require a proper prescription from a certified doctor (i.e., Audiologist or ENT Specialist) to prove you need it. You will receive a 50 per cent reimbursement or the maximum amount specified in the policy.

Conclusion

Now that you know the answer to "Are hearing aids covered by insurance?" you must also remember that regardless of whether your policy coverage includes hearing aids, you could still be responsible for specific costs, such as co-payments and deductibles. Before obtaining hearing aids, it's crucial to comprehend all the associated cost components. Expecting to claim them as an expense without proper documentation is unrealistic. Make sure you have evidence that confirms your hearing condition.

World Mental Health Day, celebrated on October 10, is an opportunity to raise awareness about the significance of mental health and take active steps to improve your mental wellbeing. Mental health is equally important as physical health and taking care of it should be a priority for everyone.

The Importance of Mental Health Support on World Mental Health Day

World Mental Health Day highlights the need for access to mental health support. Mental health issues can affect anyone, and getting help is a sign of strength, not weakness. Unfortunately, the cost of mental health treatment can be a barrier for many people, which is why it's important to understand your mental health insurance options. Making sure your health insurance policy includes adequate coverage for mental health issues can give you the help you need without added financial stress. This day is a reminder to check your coverage and seek timely medical attention for mental health issues without feeling stigmatised.

Tips for Improving Your Mental Wellbeing

• Practice mindfulness: Engage in mindfulness activities like meditation or deep breathing to

manage stress.

• Stay active: Regular exercise increases endorphins, improving both mood and overall mental health.
• Connect: Maintain relationships and seek support from friends, family, or support groups to combat feelings of isolation.
• Limit Screen Time: Spending too much time on social media can negatively impact your mental health. Relax and pursue a hobby that you are passionate about.
• Seek professional help: If you feel overwhelmed, do not hesitate to get in touch with a mental health professional.

Understanding Mental Health Coverage in Your Insurance Plan

One of the primary objectives of the National Health Policy is to make mental health services accessible to everyone, irrespective of social status. The IRDAI (i.e., the Insurance Regulatory and Development Authority of India) has made it mandatory for all insurance providers in India to cover mental health issues since October 31, 2022. The coverage for mental illnesses includes inpatient hospitalisation, emergency care, medicines/prescription drugs, partial hospitalisation, and outpatient services. However, one must know about the limitations and exclusions of coverage.

Mental illnesses that are a result of drug or alcohol abuse are usually not covered. Some policies do not offer coverage for pre-existing mental health issues or may offer limited coverage. Some insurers may require a certificate from their panels of mental health professionals to assess an individual’s condition. Some healthcare plans will only offer coverage if the policyholder requires hospitalisation for a minimum duration of 24 hours. Also, some policies may not cover OPD care, diagnostic tests, doctor consultations, and psychiatric counselling or therapy sessions or may cover only a limited number of these sessions.

Mental health treatment can be expensive, and coupling it with insurance keeps individuals from facing financial barriers to getting the care they need. This not only supports the wellbeing of the insured but also reduces the overall societal burden of untreated mental health issues. When considering your health insurance policy, look for comprehensive mental health insurance that includes treatment, medications, and other necessary services. Determine whether your policy covers both inpatient and outpatient care and if there is a limit on the number of therapy sessions offered. Some plans may require the referral of a primary care physician, so it’s essential to know the process.

Conclusion

This World Mental Health Day, take proactive steps to improve your mental wellbeing. By understanding the scope of coverage of your healthcare policy for mental health issues and making small but significant adjustments to your daily routine, you can prioritise your mental wellbeing and lead a healthier, happier life.

Monkeypox (Mpox), a viral disease, was first discovered in a laboratory in 1958. Initially, the disease was confined to central and western parts of Africa, primarily in remote regions. However, its recent spread has compelled the WHO to declare it a public health emergency.

What is Monkeypox?

Monkeypox is a viral disease belonging to the Orthopoxvirus genus, which also includes the virus responsible for smallpox. Once someone contracts this disease, he/she begins to experience a fever, with small rashes appearing on the palms, face, mouth, soles of the feet, and genitalia after 2-3 days. As the disease progresses, the rashes evolve through the following stages:

• Flat macules with discoloured lesions
• Papules with raised lesions
• Vesicles containing small bumps filled with fluid
• Pustules, again bumps but with yellowish fluid within them
• Dry lesions that scab over before falling off

How Does Mpox Spread?

The spread of Mpox occurs through close contact with an infected person. Here are some ways it can be transmitted -

• It is a zoonotic infection and can be transmitted from animals to humans. The virus primarily resides in small rodents and squirrels, contrary to the rumour that it comes from monkeys. Transmission happens when you come into direct contact with the blood, bodily fluids, or lesions on infected animals' skin and mucous membranes.

• If you have accidentally touched the infected person's scabs, rash, or bodily fluids, the likelihood of developing Mpox symptoms is high.

• The virus can easily spread if you have come into contact with contaminated items like towels, blankets, or garments used by an infected person.

How To Prevent Monkeypox?

• Beware of your surroundings. If someone around you shows symptoms of Mpox, avoid contact with the person.

• Frequently wash your hands with soap and water. Using an alcohol-based sanitiser is a better alternative, and its use is recommended every time before you eat something.

• Wear gloves in crowded areas. This way, even if you touch a contaminated surface, the risk of infection is slightly reduced. Consider wearing a mask for better protection.

Does Health Insurance Include Monkeypox Treatment?

Yes, many health insurers provide coverage for M-pox. If you are diagnosed with this disease, the insurer covers the following -

• If your condition requires immediate hospitalisation, the insurer will cover the costs associated with doctor's fees, room rent, and medications.

• The insurer also covers pre-hospitalisation expenses such as consultation charges and diagnostic tests.

• Post-hospitalisation, if the doctor advises therapy at home, the insurer will pay for follow-up visits, treatment sessions conducted at home, and pharmacy bills.

Conclusion

Monkeypox may not be as deadly as other infectious diseases, but it still poses a risk, especially for vulnerable individuals. Maintaining good hygiene and keeping a safe distance from infected individuals is important to ensure prevention of this disease. If you contract the disease, health insurance is there to assist.

You wake up one morning to find a painful rash spreading across one side of your body. You experience intense discomfort and notice small blisters forming. This might be your first encounter with Herpes Zoster or Shingles.

Understanding Herpes Zoster: What is Shingles?

Herpes zoster is an infectious condition induced by the varicella-zoster virus (VZV). It is the same virus that causes chickenpox. Once you recover from chickenpox, the virus remains dormant in the body. However, it can reactivate in later years to retreat into the nerve tissues near your spinal cord and brain, leading to shingles.

Causes and Risk Factors of Shingles

As said before, when the varicella-zoster virus turns active again, it causes Herpes Zoster. You may be diagnosed with this disease if you have a history of chickenpox. Some common reasons for virus reactivation include -

• Your immune system weakens as the body ages, making it easier for the shingles-causing virus to reactivate.
• If you are dealing with cancer, HIV, or autoimmune diseases, which are noted to weaken immune systems, your body turns susceptible to this disease.
• When you have a toxic work life and are dealing with high stress levels, your immune system gets compromised, making the body susceptible to shingles and various other diseases.
• Medications like chemotherapy drugs and steroids weaken the immune system, making it more susceptible to varicella-zoster virus infections. Medicines for preventing organ transplant rejection also impact the immune system and may result in shingles in those previously infected with chickenpox.

Symptoms and Diagnosis of Herpes Zoster

The early signs of Shingles include itching or a burning sensation around specific body parts. As the disease progresses, you may start noticing the following Shingles symptoms:

• A red rash emerges in the affected region, creating a band-shaped pattern. It typically appears on one side of the torso, but depending on the severity, it may appear on other body parts.

• The rash evolves into fluid-filled blisters that look like chickenpox. These blisters are not only painful, but when they burst, they cause the formation of scabs.

• Some individuals with shingles may experience fatigue, fever, headache, and chills.

To diagnose herpes zoster, your doctor examines the rash and determines whether there is a history of chickenpox.

In some scenarios, your doctor may suggest you undergo Polymerase Chain Reaction (PCR), Direct Fluorescent Antibody (DFA), and Viral Culture tests.

Treatment Options for Shingles

Now that you know about shingles rash and symptoms, let's look at the modes of treatment for this ailment. While this ailment has no cure, various medications can alleviate symptoms and speed up recovery.

• If diagnosed with shingles, the doctor may prescribe antiviral drugs such as Famciclovir, Valacyclovir, and Acyclovir to reduce the severity of the infection. However, taking this medicine within 72 hours of developing this viral infection is important.

• Some pain relievers, such as Naproxen, Acetaminophen, and Ibuprofen, may be recommended to provide relief from mild discomfort. However, if the condition worsens, drugs like anticonvulsants and tricyclic antidepressants are recommended.

Conclusion

Herpes zoster is a severe condition that can affect anyone who has had chickenpox. Vaccination is the most effective preventive measure for managing the risk of shingles, particularly in older adults and individuals with weakened immunity.

If you notice the symptoms of shingles, seeking medical attention quickly to ensure effective treatment and prevent potential long-term health effects is crucial. Obtaining a health insurance plan is also recommended to deal with any such disease that may hit you unexpectedly.

Is memory loss a rare problem and only occurs in elderly people? Many individuals share the same curiosity, and the unequivocal answer is "no." Memory loss bears little similarity to the dramatised scenes often seen in movies and shows; it is a critical condition than what gets depicted on screen. First, to clear the most basic doubt - memory loss is not at all rare. Memory loss can occur to anyone. However, its duration and type may vary. Permanent and long-term memory loss is still common among elderly people. Let's look at simple ways that could answer the question of how to prevent memory loss in old age.

Ways to prevent memory loss

There are some ways that could help you prevent memory loss. Let's look at these in detail.

• Stay physically active

Always try to stay physically active because doing so will raise blood flow in your body. It will also help your body to manage the hormone secretion and keep your brain healthy.

• Stay mentally active

Preventing memory loss in old age doesn’t rely solely on physical exercise; maintaining mental activity is equally crucial. Being mentally active will also help you prevent short-term memory loss by sharpening your brain.

• Spend quality time with loved ones

Most people suffer from problems like depression and stress because of being lonely. Stress and depression can often be significant contributors to memory loss. Consider dedicating quality time to your loved ones, such as family and friends. This can help you manage stress and safeguard against memory loss.

• Sleep well

A good sleep can make your life better. Sound sleep is mandatory to make your body and brain function properly without any stress. Sound sleep daily can help prevent memory loss by keeping you focused and healthy.

• Stay organised

Staying unorganised can be the biggest reason why people always forget things. Stay organised to prevent short-term memory loss and other similar problems. You can go for health insurance to be safe in case your condition worsens.

• Healthy diet

The cornerstone of well-being and a healthy lifestyle is a nutritious diet. Strive for a balanced and nutritional diet to safeguard against various forms of memory loss.

• Chronic health problems

Many chronic health problems, such as diabetes, can also be a reason for memory loss. You can control your chronic health problems and prevent memory loss.

Conclusion

Preventing memory loss in old age has become a frequently asked question. Nevertheless, it is achievable by adhering to the straightforward suggestions provided above. By implementing these tips on how to prevent memory loss in old age, you can lead a better and healthier life as well as mitigate other related issues.