Cushing’s syndrome occurs as a result of too much production of cortisol in the body. Cortisol is a steroid hormone that is released during times of stress; therefore, it is also called a stress hormone.

What are the treatments for Cushing's syndrome?

Cushing’s disease is usually caused by a tumour that results in too much secretion of cortisol in the body. Certain medications used for the treatment of other conditions can also lead to the production of cortisol, this hormone. Red and round faces, rapid weight gain, general weakness, diabetes, blurry vision, purple stretch marks on the abdomen, weak muscles, and high blood pressure are some of the symptoms of this condition. Cushing’s syndrome, if left untreated, can be fatal. A health insurance policy is important for people suffering from Cushing’s syndrome because it provides essential financial support for necessary medical interventions.

The cure for Cushing’s syndrome depends on the underlying cause and may include:

• Reducing glucocorticoid doses: If higher cortisol levels are due to the side effects of glucocorticoid medicine, then the healthcare provider will likely reduce the dose of the medicine or change the medication to a non-glucocorticoid.
• Medications: when surgery, radiotherapy, and other options cannot be used, then medicines like ketoconazole, mitotane, and metyrapone are used for the treatment of Cushing's disease.
• Surgery: If Cushing’s syndrome is caused by a tumour in the pituitary, hypothalamus, or adrenal gland, then surgical removal of the tumour is done.
• Radiation therapy: Tumours located in the pituitary gland are sometimes difficult to remove. In such cases, radiation therapy is done to stop the growth and remove the tumour.
• Chemotherapy: If the Cushing’s disease is caused by a cancerous tumour, then treatment may include chemotherapy to stop the spread of the disease.

If the treatment is done properly, then the disease may go away within two to 18 months, depending on the cause of the disease.

Cushing’s syndrome or hypercortisolism is a condition when your body produces too much of the cortisol hormone. People suffering from asthma or rheumatoid arthritis are more prone to Cushing’s syndrome. As per the estimates, 70% of the people who have Cushing’s syndrome are women or who are assigned female at birth.

What is the Diagnosis of Cushing Syndrome?

For Cushing’s syndrome diagnosis, the physician will ask the patient to undergo several tests. The healthcare provider will look at the person’s medical history, and perform some examinations and lab tests to accurately determine the health situation. The doctor may ask for the following tests to be done:

1. 24-hour urinary cortisol test - Your healthcare provider will ask you to get a 24-hour analysis of your urine where the amount of cortisol in micrograms will be analysed.
2. Midnight salivary cortisol test - Your cortisol levels are determined through this test. It is estimated that cortisol levels are low during the night between 11 pm to 12 am. If the test reveals that your cortisol levels are high you are suffering from Cushing’s syndrome.
3. Blood tests - Your doctor will also ask you to get a blood test done. Through the blood test, the ACTH levels in the blood are measured. It is estimated that if the ACTH levels are low then you might be suffering from an adrenal tumour, and on the other hand, if the levels are normal or high then you could be suffering from a pituitary or ectopic tumour.
4. High-dose dexamethasone suppression test - This test is performed only if your ACTH levels and cortisol levels in the morning are high. This test is done to know the source of Cushing’s syndrome. It helps to identify pituitary adenoma (Cushing’s disease) and a tumour in the body.

Once your healthcare provider confirms Cushing’s syndrome, they will proceed to identify its underlying cause. Typically, this condition arises from medication use or the presence of a tumour. If you are currently taking glucocorticoids, it's likely the medication is responsible. In this case, the doctor will consider reducing the dosage. In cases where you are not on glucocorticoids, the suspicion shifts toward the presence of a tumour. The tumour could be in the adrenal glands, pituitary gland, or elsewhere. To pinpoint the tumour's location, your healthcare provider may recommend specific imaging studies:

1. CT scan (CT) or MRI of the abdomen: These scans are used to detect tumours in the adrenal glands and can be performed with or without IV contrast, offering high sensitivity.
2. Pituitary MRI: This imaging technique focuses on the pituitary gland to identify potential tumours. However, it may not always yield a definitive diagnosis; approximately 50% of Cushing syndrome cases display normal MRI results, while 10% have unrelated tumours.
3. Bilateral inferior petrosal sinus sampling (BIPPS): BIPPS helps locate the source of ACTH secretion. It boasts an impressive accuracy rate of 95% to 98%.
4. Chest CT scan: If there is suspicion of an ectopic tumour, a chest CT scan will be ordered to investigate the possibility of lung cancer

Cushing’s syndrome develops when our body produces too much of the cortisol hormone. This may happen for several reasons. A 2019 review estimates that about 10% of the new Cushing’s syndrome cases annually are seen in children alone. Various treatment options are available for Cushing’s syndrome. Health insurance Plans may help you cover your medical expenses when the need arises.

How can Cushing’s Syndrome be prevented?

The prevention of Cushing's syndrome depends on the cause. The condition can appear due to the continuous use of glucocorticoids. If you are taking any such medicines for a long time to control inflammatory diseases or immune rejection after transplantation surgery, it can increase cortisol levels in your body. Reducing the intake or stopping such medicines, as suggested by the physician, can help control the hormone levels.

Cushing’s syndrome cannot be prevented when it is caused by a tumor. It gets better with treatment but will take a long time to recover.

Adrenoleukodystrophy (ALD) is a genetic disorder that damages the membrane covering nerve cells in the brain and spinal cord. It also affects the adrenal glands. The symptoms become apparent from age 4 to 10. It can be present in later ages also. The symptoms include loss of vision, learning disabilities, deafness, lack of coordination and balance, lack of appetite, progressive dementia, etc.

What is the Diagnosis of Adrenoleukodystrophy?

For the diagnosis of Adrenoleukodystrophy, the healthcare provider will review your medical history, symptoms, and also family history. A physical examination and certain tests are conducted to confirm the disease. The diagnostic tests include-

• Blood tests - This will examine the levels of long-chain fatty acids (VLCFAs) in the bloodstream. High levels of VLCFAs indicate the possibility of ALD. Also, the working of adrenal glands will be examined through blood tests.
• Genetic tests - Done to detect mutations that cause ALD.
• MRI - The powerful radio waves of the MRI scan procedure create images of the brain. Through this, abnormalities in the brain including nerve damage can be detected. Doctors make use of several types of MRI to identify the problem.
• Vision Screening - ALD diagnosis also includes vision screening, especially in males who do not show any symptoms related to
• Skin Biopsy and fibroblast cell culture - A sample of skin will be examined to check for increased levels of VLCFA.

The infants will undergo newborn examination which includes the screening for ALD.

Adrenoleukodystrophy (ALD) is a genetic disorder passed on from the mother to her child.  This condition arises due to a mutated gene in the X chromosome. As a result, the myelin sheath, which is a membrane that covers the nerve cells gets damaged. This mainly occurs in the brain and spinal cord, and adrenoleukodystrophy is more common in males.

What Are The Causes of Adrenoleukodystrophy?

Causes of adrenoleukodystrophy include mutations in the ABCD-1 gene that produces the ALD protein. ALD is present on the surface of peroxisomes, cell organelle containing enzymes that perform various metabolic functions. It transports very long-chain fatty acids (VLCFAs) into the peroxisome, where they are digested. Dysfunctional ALD protein prevents the breakdown of these acids and leads to their accumulation in the brain, nervous system, and adrenal glands. ALD causes the destruction of the myelin sheath.  It can also be toxic to the blood cells.

Blood pressure is one of the important parameters measured, along with other vital signs, to evaluate the well-being of a person. The range for ideal blood pressure lies between 90/60 mmHg and 120/80 mmHg.

What are the causes of low blood pressure?

When the upper limit for blood pressure (systolic) becomes lower than 90 mmHg or 60 mmHg for the lower number (diastolic), then it is called low blood pressure. Symptoms of low blood pressure include dizziness, fainting, blurred vision, nausea or vomiting, rapid or shallow breathing, tiredness, and lethargy.

Low blood pressure can occur on its own or due to some existing diseased conditions. Blood pressure drop causes include:

• Orthostatic hypotension: when a person changes positions from lying to sitting or sitting to standing too quickly, the body does not compensate with more blood flow to the brain. This causes temporary low blood pressure.

• Low blood volume: when a person suffers severe blood loss due to an injury, low blood pressure can occur.

• Postprandial hypotension: this type of blood pressure occurs 1-2 hours after eating because the digestive system uses more blood when food digestion occurs. Elderly people with conditions like Parkinson’s disease are mostly affected.

• Conditions of the heart and lungs: Low blood pressure can occur due to irregular heartbeats, heart failure, or lung dysfunction.

• Medication: prescription medicine for high blood pressure, neurological problems, heart failure, and erectile dysfunction can cause low blood pressure.

• Consumption of alcohol or recreational drugs can also lead to a lowering of blood pressure.

• Certain herbal supplements and vitamins can also lower the blood pressure.
• Pregnancy-related orthostatic hypotension is very common during the first and second trimesters.

A health insurance policy is crucial for people who experience blood pressure-related issues. It provides financial support for necessary medical care and ensures access to timely and comprehensive treatment.

The World Health Organisation (WHO) has estimated that water-borne diseases kill about 1.8 million people annually worldwide. These numbers primarily include children from developing countries. Moreover, the World Bank states that 21% of communicable diseases in India are water borne.

To stay protected from water-related contaminants, one can follow a few basic procedures. Read on to learn how you can stay in the pink of health during this monsoon:

1. Water Disinfection

Many natural and manmade water resources are polluted with harmful waste. In 2014, Safe Water Network, an organisation that strives to overcome the water challenges of the world, estimated that more than half of the pipelines in Indian rural areas deliver untreated water. Access to safe drinking water is the most significant step to prevent the outbreak of water-borne diseases. Water that is used for cooking or drinking needs to be disinfected on a regular basis. Boiling the water with common iodine for about 10 minutes can make it safe for consumption. This is considered one of the most simple and effective measures to stay protected from water-borne diseases.

Water that is used for cooking or drinking needs to be disinfected on a regular basis. Boiling the water with common iodine for about 10 minutes can make it safe for consumption. This is considered one of the most simple and effective measures to stay protected from water-borne diseases.

2. Personal Hygiene

The transmission of water-borne diseases mainly occurs through various unsanitary sources. Negligence of personal and food hygiene can easily make one susceptible to many endemic illnesses.

Following some basic hygiene practices such as washing your hands and feet on returning home after a walk through the puddles is a must. This can help reduce the likelihood of contracting water-borne diseases like jaundice, cholera and typhoid fever.

3. Environment

A well-sustained environment is the key to a healthier life. The National Vector Borne Disease Control Programme (NVBDP) states that 95% of the Indian population resides in malaria endemic areas. Transmission of malaria is facilitated due to mosquitoes that breed in open water resources.

The occurrence of malaria and dengue spikes during the monsoon. Sterilising open water resources regularly, preventing water from stagnating, clearing drains, etc. help to maintain a healthy environment and prevent the breeding of disease-causing agents.

4. Vaccination

As per the WHO, vaccines avert up to 3 million deaths globally. Vaccination is an effective method to control the outcome of water-borne diseases. They can be administered to large populations in cases of emergencies. However, they cannot replace conventional measures of prevention.

WHO developed two oral cholera vaccines that were used in mass vaccination campaigns. Today, they are considered an effective tool against high-risk cholera and are being implemented worldwide.

5. Spreading Awareness

Lack of awareness amongst the population regarding the symptoms of water-borne diseases is a major reason for them remaining untreated or undetected. When all precautionary measures fail, prompt medical treatment can still save you from complications.

Mass awareness campaigns, local initiatives and individual ownership can result in timely intervention, diagnosis and cure of water-borne diseases, and not make it the killer it seems to be. Spread the word.

A health emergency can occur to anyone, anytime. To reduce unnecessary worries this monsoon, ensure you are prepared with a health insurance plan.

Know more about hospital daily allowance

Are you aware of insurance policies that offer you a cash allowance every day for your hospitalisation period? Certain health insurance policies offer daily cash benefits to meet your medical and non-medical expenses during your stay in a hospital.

Understand Your Health Insurance Policy

Policy providers offer daily hospital allowances either as a part of the insurance policy or as an additional rider. Before buying any health insurance policy or a daily hospital allowance rider you must ensure:

• The daily cash limit offered to you
• Your eligibility for the policy
• Coverage span of the policy

Most insurance providers ask for a minimum 24 hour hospitalisation to be eligible to make a claim. Daily hospital allowance does not apply to day care procedures and minor surgeries which don’t require a 24 hour hospitalisation. Daily cash limit and coverage span of the policy also vary according to the policy provider. Usually policy providers offer a cash limit between ₹ 1000 - ₹ 1,500 with a coverage span that varies from 2 weeks to 3 months depending on the policy provider. Those admitted in Intensive Care Unit (ICU) may avail cash benefits in excess of the upper cash limit but the number of covered days will be reduced proportionately.

Persons with pre-existing medical conditions need to go through a waiting period during which they cannot make a claim. Therefore, you need to carefully assess the eligibility conditions and your medical history before buying a policy to avoid any conflict arising at the time of claim.

Things to Remember Before Buying a Policy

Hospital daily allowance policies can be tricky sometimes. Although the procedure to claim your daily allowance is simple and closely resembles to the usual medical bills claiming procedure, yet, the cash benefits may not be availed at the end of each day. Some policy providers may provide you the flexibility of daily allowance, but usually most of them will provide cash benefits only after you get discharged.

It is always better to check whether your policy offers pre-fixed or per day hand cash outs beforehand. The procedure of making a claim is easy yet some people feel it’s complicated and avoid making a claim, once their medical bills are settled. This should be avoided and any claim no matter how small or large it is, must be made in accordance with the policy’s terms and conditions.

ICICI Lombard offers a Health Insurance Plan which enables you to afford high quality healthcare facilities with tax benefits. Purchase the health insurance plan and avail cashless hospitalization across a vast range of hospitals across the country.

For rudimentary understanding it provides financial cover-up in case of illness, health issues. For same one needs to be in agreement with the insurer to invest premium amount for tackling unforeseen health issues for self and family.

Medical coverage is important for every individual as in this dynamic and fast growing scenario, people are compromising with the physical capabilities to excel more and more in their career, they usually ignore the health factors in a day to day life which cumulates to the major health problems down the line. Gradually body starts losing the immunity to fight with the internal and external agents causing health issues. Hence it becomes mandatory to prepare oneself for the upcoming health challenges to ensure the financial assistance at the time of crisis.

Medical coverage plans comes with the flexibility of both types of payments cashless and reimbursements in case of in-network and out of network respectively. For in-network, one can avail the facility by showing the medical cards and expenses to be taken care by the insurance company itself through the TPA (Third party administrator) which depends upon the entitlement. In case of out-of-network, upfront payments should be done by the user and the amount would be reimbursed upon the submission of bills. To avail these facilities one should be hospitalized for 24 hours. However in certain cases like a disease diagnosed after converge and which is to be treated in near future, tests pertaining to surgery/operations, same could be provided without the former condition. In addition, few policies give benefits for routine check-ups also. Coverage in limited to Contact lenses, hearing aids and spectacles are also not covered. Also, there are no short term policies available for health cover for less than a year.

Sum insured can be on individual or floater basis for self and dependent. It also offers an arrangement called Cumulative Bonus, which says that for every claim free year; there will be increase in sum insured by certain percentage(with capping). For any claims, it will be reduced by certain % for next year. Premium depends on certain factors like age, medical history. For older people, premium rates would be on higher side so as in case of bad medical history.

IRDA has taken a major step i.e.Health Insurance Plan Portability which allows a user to switch the policy from one provider to another (subjected to sum insured). IRDA is playing a active role by not only doing the vigilance on existing policies but also by providing as ear to the grievances and concerns related to services offered by the insurance providers. For same one can register their complaints through IGMs website and can connect via Toll free 155255. After registration of a complaint companies got 15 days time to work-upon and to resolve the issues.

Above all, medical covers provide opportunity to save tax and to lessen pressure on one’s pockets.

Reasons to Get Insurance Related to Heart Diseases As Soon As Possible

The Worrying Statistics

Lifestyle-based diseases are more common than ever, making them the new threat we need to tackle. Among the many lifestyle-related non-communicable diseases, cardiovascular diseases are the top causes of deaths around the world, as per the World Health Organisation. As per the findings of the report, cardiovascular diseases cause more fatalities than any other disease.

In a similar report by the Registrar General of India, 23% of 1.8 lakh deaths across the country in 2010-2013 were caused by cardiovascular diseases. Furthermore, it is estimated to increase and account for about 35.9% of deaths by 2030. This means Indians will bear the brunt of heart diseases in the near future in case they are not prepared.

High Susceptibility

Heart diseases are not restricted to people aged 50 or above anymore. We are witnessing a rise of heart diseases among people in the age group 25-35 years as per Dr. Ajay Chaurasia, Head of Cardiology, BYL Nair Hospital.

These findings can be easily attributed to the sedentary lifestyle that most of us are comfortable with. Physical inactivity, when clubbed with unhealthy eating habits, doubles the risk of cardiovascular diseases and complications such as obesity, Type 2 diabetes, high blood pressure and imbalance in lipid levels among many others.

Medical Inflation

Our burden of medical expenses is increasing and is further expected to rise. According to a recent survey conducted by the National Sample Survey Office (NSSO), the average cost of hospitalisation increased 10.7% in urban areas and 10.1% in the rural during 2004-2014.

Thus, although patients from all over the world come to India for hospitalisation, healthcare cost for most Indians, be it in private or public hospitals is growing. This increase is attributed to the increase in demand for a better infrastructure, which is provided by private hospitals at a higher cost.

Anand Sharma, 42, leads a busy life and has a dedicated yearly renewal insurance policy for his family and him. Past month he suffered from a minor heart problem and had to be treated for it. When the time came to reimburse the treatment amount through his mediclaim policy, his insurers rejected the claim. It was stated that Anand was treated for hypertension 5 years ago, and the heart problem is the relating pre-existing disease. This rejection, of course, was wrongly based.

In such cases, it is hard to differentiate the ailments. To set the record straight and to bring clarity in the interest of the consumers, General Insurance Council of India (GIC) created new standard definition for pre-existing diseases that will have to be followed by health insurance companies.

The Definition

GIC definition states “The benefits (of any type of health insurance) are not available for any condition, ailment or injury or related condition for which the insured had signs or symptoms, and/or was diagnosed and/or received medical advice/treatment, prior to the inception of the first policy, until 48 consecutive months of coverage have elapsed after the date of inception of the first policy.”

This means that if a person with any condition, ailment or injury has symptoms or signs that were diagnosed or has received medical advice within 48 months before the policy issuance, he is not eligible for claiming reimbursement against such treatment. He can only get the claim once the 48-month waiting period, from date of policy issuance, lapses.

The Waiting Period

health insurance plans come with a waiting period for the pre-existing diseases. These are provisions created to avoid fraudulent claims by the insured. It also safeguards the insurers from losses of unethical claims and protects the interest of genuine claims.

The pre-existing waiting period usually lasts from 2 to 4 years and vary across insurers. In case the person undertakes a treatment for a disease or ailment, he is covered post the waiting period completion and the coverage comes into effect.

The policy wording will be a better guide to ascertain the duration of the waiting period.

Health insurance plans play major roles in providing financial security against unexpected health expenses. With the rising cost of healthcare, having a good health insurance plan has become essential. Among the many features offered by modern policies, the reset benefit stands out as a valuable option that can enhance your coverage. Let us know more about this in detail.

What is the reset benefit in health insurance?

The reset benefit, referred to as the restoration benefit, is a feature offered by health insurance providers that automatically restores your sum insured if it gets exhausted within a policy year. For example, if you have a policy with a sum insured of ₹5 lakh and you make a claim that uses the full amount, the reset benefit ensures the sum insured is replenished so you can continue to receive coverage for future claims in the same year.

This benefit is particularly useful in cases where multiple claims are likely, such as during serious illnesses or hospitalisation of more than one family member. That’s why it’s often recommended when choosing a health insurance policy for a family, where the chances of multiple claims are naturally higher.

Features of reset benefit

The reset benefit comes with several key features:

• The entire sum assured has to be exhausted for its restoration
• The restored amount can only be used for future claims that happen to fall within the same policy year
• The new claim should not be related to any illness/disease/injury for which a claim has already been made in that policy year
• The reset benefit will never trigger for the first claim

To understand this feature better, let us consider an example.

Mr. Kumar has a health insurance plan of ₹ 5 lakhs with reset benefit and he makes a claim of ₹ 7 lakhs. According to him, his full claim amount should be paid owing to the reset benefit option. However, in reality, this is not possible, since the reset benefit triggers only for a second claim. Therefore, he will have to pay the remaining amount out of his own pocket.

• The sum insured of individual health insurance and floater health insurance policies will be available as per their respective policy terms.
• Unutilised reset sum insured will not be accumulated and carried forward in the next policy year.

Does restoration benefit increase the medical insurance premium?

The reset or restoration benefit is generally included as an add-on or in-built feature in many comprehensive insurance plans. While it may slightly increase the overall premium, the added protection often justifies the cost, especially for family health insurance policies, where multiple claims in a year are more probable.

In some cases, policies with in-built reset benefits may have a marginally higher premium than basic plans.

Things to know about the reset benefit

Before choosing a health insurance policy with a reset benefit, here are a few important things to keep in mind:

• Check the conditions: Not all reset benefits are the same. Some may only activate after full exhaustion of the sum insured, while others may also require the claim to be for a different illness or individual.
• Policy type matters: The reset feature is more beneficial in floater policies, where one claim by a family member could otherwise leave the rest uninsured for the year.
• Limits on reset amount: Some insurers may offer partial restoration (e.g., 50% of the sum insured) rather than full. It’s crucial to read the policy document to know exactly what’s covered.
• Not a replacement for top-up plans: The reset benefit is useful, but it shouldn’t be considered a replacement for having an adequate base sum insured or a top-up plan, especially for families with senior citizens.

Conclusion

The reset benefit in health insurance is a practical and valuable feature that enhances the utility of your policy. The benefit is quite important in times of repeated or multiple hospitalisations. For families, a health insurance policy with a reset benefit can act as an extra layer of financial protection, ensuring that coverage remains available even after a major claim.

When selecting a health insurance policy for your family, consider opting for a critical illness insurance that includes this feature.

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.

Insurance, at the very basic level, is an agreement between the insurer and the insured. This agreement is based on the information that the insured provides in the proposal form. Hence, this form becomes the single most important document in the whole insurance policy.

The insurance form varies from insurer to insurer, and needs to be filled either by pen or by typing (if it is an online policy). No matter how you fill it, it is imperative that that the form is filled by the one in whose name the policy will be, and not by the insurance agent. Some people sign the blank insurance form and hand it over to the agent, this is not the correct practice and can lead to regret later.

Care must be taken that the information provided is thorough and accurate, especially when it comes to your contact details, whether it's a health insurance policy, car or motorcycle insurance policy, or any other type of policy. Because, it is using these contact details that the insurer will contact you when a claim needs to be settled. Furthermore, insurance is based on the principle of good faith, so whatever information you provide must be true and complete, otherwise, it can lead to repudiation of your claim.

There are many points you need to take care of when filling the insurance proposal form, but here are some of the most crucial ones.

Correct Name

Your name is the most obvious thing that you need to get right. Remember that an agent can always misspell it, creating trouble for you. Attention also needs to be paid to the fact that it is written in block letters, so that the writing is clear and there is no case for misunderstanding. Ensure that the name is exactly the same as it is in your bank account.

Proper Address

Most people don’t pay attention to the small details, such as the difference between current and permanent address. Some people find it easier to write ‘same as current address’, in the permanent address column, even if their permanent address is different. This is especially true for those living on rent. Providing both addresses will ensure that you receive important correspondence on time.

Date of Birth (DOB)

Your age is a major factor when it comes to premium calculation. Hence, it is necessary to correctly write your DOB with supporting documents. The supporting document should preferably be either a school leaving certificate, passport or birth certificate as these are considered as standard proof of age. There are alternatives too, like PAN card, driving license and self-declaration etc. but these can attract extra premium.

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.  

Today, a vast majority of homes employ LPG gas cylinders as their primary fuel for cooking food. With the number of homes increasing daily, the need for awareness of safety precautions is being felt more acutely. Gas cylinders are sources of highly flammable Liquefied Petroleum Gas (LPG), which is compressed to reduce the space it occupies.

Due to the nature of this gas and its confinement, safe handling of the cylinder is of utmost importance to avert disaster. Read on to find 5 ways you can minimize or eliminate the risk of accidents related to gas cylinders.

How to Store

Arguably the most important step in ensuring safety is its storage. The ideal place to store a gas cylinder is in a well-ventilated space away from direct sunlight. Due to the nature of the substances within, it is important to keep the cylinder away from sources of heat, flammable substances, electric sockets or spaces where you receive transmission from the TV etc.

Maintaining the Cylinder

Since accidents are often a direct result of rust, dents or damage to the cylinder, keeping a check on it is important. Similar to a machine or piece of equipment, regular maintenance of the LPG cylinder is crucial to ensuring its smooth functioning. You can keep a note of the date of manufacturing which is written on the cylinder itself.

If there is a need for repairs, ensure you purchase accessories from a certified and authorized gas distributor.

Check the Valve

Every time the LPG is left unattended for a long period of time, turning off the valve is a must. If the valve is left on, there is a possibility of a malfunction and a gas leak. Thus, it is important to turn it off when you leave your home for extended periods of time.

Position of the Cylinder

Whether it is during the transportation process or during use, a gas cylinder should be kept upright always. Avoid keeping them horizontal or rolling them over to increase their life. This is to refrain from creating a disturbance within the cylinder, which can cause mishaps.

In Case of a Leak

While above tips greatly reduce the possibility of a leak, it bodes well to stay prepared in the event of a leak. If you smell the gas near your kitchen space, create a soap and water solution and place it near the mouth of the cylinder. If bubbly substances are formed, then there is evidence of a gas leak. In such a case, avoid: use of lighter, operation of electrical appliances and switches. Instead, open windows and doors, to allow the leak to disperse. If the smell remains, move the cylinder to an open place.

Get Home Insurance

Taking out a home insurance ensures a sense of security and provides coverage against such accidents, thereby keeping your family secure and safe, always! With these helpful tips, protect your home and family from unforeseeable events. Additionally, it's crucial to prioritize your family's health by investing in a comprehensive health insurance plan. 

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.  

If you are here, you have probably decided to do the smartest thing for your savings – health insurance plan. Although, you would do your share of research to find a health plan that suits your needs, you could find the fine print confusing and may need clarity when it comes to understanding coverage for pre-existing diseases or pre-existing conditions, especially if you happen to have one. Read on as we take you through everything about pre-existing diseases and their coverage under a health insurance policy.

What is a pre-existing illness?

A pre-existing disease is defined by the regulator as any condition or ailment

• That is/are diagnosed by a physician within 48 months prior to the effective date of the policy issued by the insurer or
• For which medical advice or treatment was recommended by, or received from, a physician within 48 months prior to the effective date of the policy or its reinstatement.
• A condition for which any symptoms and or signs if presented and have resulted within three months of the issuance of the policy in a diagnostic illness or medical condition

So let’s say if you bought a health plan today but were diagnosed with diabetes prior to policy purchase, then diabetes becomes your pre-existing disease. While diabetes, asthma, hypertension, cardiac conditions, etc. are some common PEDs, something like a regular cold, cough, or mild fever or infectious diseases like dengue and malaria are not considered a PEDs.

Pre-existing diseases waiting period

Health insurance plans typically impose a waiting period for pre-existing diseases, during which claims related to these conditions are not admissible. This waiting period usually ranges from 2 to 4 years, depending on the insurer and the specific policy terms. It's essential to review the waiting period clauses in your policy document to understand when coverage for your pre-existing condition will commence.

Why do health insurance companies dislike pre-existing diseases?

Insurers often exhibit reluctance toward covering pre-existing diseases due to the heightened financial risk they represent. Individuals with such conditions are more likely to file claims, leading to increased costs for the insurance company. To mitigate this risk, insurers may implement longer waiting periods, higher premiums or even exclude certain conditions from coverage.

Tips to buy health insurance if you have a pre-existing disease

Securing a health insurance plan with a pre-existing condition requires careful consideration:

1. Full Disclosure: Always disclose your medical history accurately when applying for insurance. Non-disclosure can lead to claim rejections or policy cancellations.
2. Compare Policies: Different insurers have varying terms regarding pre-existing conditions. Compare policies to find one with favourable terms, such as shorter waiting periods or lower premiums.
3. Consider Specialised Plans: Some insurers offer plans specifically designed for individuals with certain pre-existing conditions, providing more comprehensive coverage.
4. Group Health Insurance: If available, opt for group health insurance plans, as they often provide coverage for pre-existing conditions from day one without a waiting period.
5. Riders and Add-ons: Explore options to reduce waiting periods through riders or add-ons, which may be available at an additional premium.

FAQs

1. Will an insurer cover my pre-existing disease from the first day of my health insurance policy?

If an insurance provider accepts your proposal post-medical evaluation, they will cover your pre-existing disease after 24 months of continuous coverage for a policy with a sum insured ₹3 lakh, and after 48 months of continuous coverage for a policy with a sum insured of up to ₹2 lahks.

2. When do i need to tell the insurer that i have a pre-existing disease?

You must disclose your complete past and current medical history at the time of applying for a health insurance policy.

3. Can i declare my pre-existing disease after i have bought health insurance?

No, pre-existing diseases need to be declared while buying health insurance because your policy is underwritten based on your health declaration. In case the same is not disclosed, the insurer reserves the right to cancel the policy on grounds of misrepresentation. Furthermore, they shall not be liable for claims if any.

4. Is there a way to skip the waiting period for pre-existing diseases?

No, you will have to wait as per the period mentioned in your policy before we start covering your pre-existing disease.

Conclusion

To sum things up, sometimes you may genuinely forget to mention a small surgery done in the past, but this one error could cost you approval for your claim later. So, make sure you declare any pre-existing diseases or conditions when you buy health insurance. Don’t try to hide it, thinking you would be denied health insurance. It can defeat the purpose of having your health secured when your claim is rejected on the grounds of non-disclosure of pre-existing diseases. A true disclosure can prove to be a win-win situation for you as well as your insurance company.

ICICI Lombard also provides health insurance plans like Family Health Insurance, Health Booster , Arogya Sanjeevani Policy, Corona Kavach Policy, and Personal Accident Insurance which offers people the much-needed financial backup during any medical emergencies.

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

Winter is just around the corner, and it’s time for you to take out your stacked woolen wear, buy cold creams and brace yourself to tackle the harsh weather conditions. A prudent option to counter the winter blues and keep your living space warm is to invest in an electric room heater, which is both comforting and economical.

However, according to the National Fire Protection Agency, approximately one-third of all house fires during the winters are caused by space-heater related issues. That’s a lot of danger for such a small appliance, which is why it is essential to keep certain safety tips in mind while using these portable space heaters:

Buy certified space heaters

All the electric appliances are tested and certified as per the Bureau of Indian Standards (BIS) on the basis of certain safety parameters. The manufacturers of these products are required to provide crucial information about the construction and usage of the appliances. Hence, you should always buy a BIS-certified room heater, that will be risk-free and safe to use at home.

Keep heaters away from objects and people

Electric heaters generate a lot of hot air by converting electrical energy into heat. This makes them dangerous for pets and children as they can get electric shocks or serious burns by accidental contact with the appliance. Also, it should be kept away from objects that may catch fire, including decorations, clothes, rugs, furniture, etc.

Place the heater away from water

Try not to use your space heater in your bathroom, kitchen, or any other area where it could be exposed to water. Even if you do need to use the heater in such areas, makes sure it’s placed at a safe distance away from potential splashes of water or leaks. If your heater comes in direct contact with the water, it could damage the electrical system, start a fire, or pose a threat of shock or electrocution to anyone nearby.

Plug directly into the wall outlet

You should always try to avoid using extension cords and plug your room heater directly into an electrical wall outlet. Electric heaters draw a lot of power and using an extension cord increases the chances of overheating, electric fires, or shock injuries. Even you if need to use the extension cord, make sure it is appropriately rated and sized for heavy appliances.

Do not over load the socket

Never overload the socket where electric heater is plugged. Plugging the space heater in the same circuit along with other electrical appliances into a receptacle will create excessive heat in the circuit and may start an electrical fire or a short circuit. This could lead to damage to the costly appliance and the electrical system of your house.

Don’t leave the heater unattended for long

You should never leave your room heater unattended for a prolonged period. Always remember to switch off and unplug the appliance before leaving the room or going to bed. Prolonged usage of heaters in closed rooms can be dangerous as it can create carbon monoxide poisoning which can cause headache, dizziness, nausea and weakness.

Look for heater with additional safety features

There are many portable heater models available in the market that include a variety of safety features that help take a lot of worry out while using them. For example, a heater with tip-over protection will automatically shut-off if it’s tipped over for any reason, and a cool-touch housing on the front that prevents accidental burns if a person accidentally comes in contact with the heater. These are useful safety features, particularly if you have active children or pets at home.

Inspect and maintain your heater regularly

You should occasionally inspect your room heater to make sure it’s clean and working properly. Check for damage in the unit and cord, and whether it’s heating sufficiently. In case of any discrepancies, contact the service centre and get it resolved immediately.

As important as it is to take adequate safety measures, it’s equally necessary to stay financially secured in case of an unforeseen incident. That is why you must buy an accident insurance policy to protect yourself against mishaps and tackle such situations with ease. Don't forget to explore your options for comprehensive health insurance coverage to ensure holistic protection for you and your loved ones

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.  

Cherimoya, popularly known as custard apple, is a health reservoir in addition to its delicious flavour. Originating in South America, this green, heart-shaped fruit is a favourite among fruit lovers worldwide, given its creamy texture that reminds of custard. Beyond its delicious flavour and distinctive texture, cherimoya has many nutrients that provide unexpected health advantages. 

What are the Health Benefits of Custard Apple?

This article explores eight surprising benefits of custard apple you should include in your diet.

1. Can enhance eye health: Rich in carotenoid antioxidant lutein, which combats free radicals to preserve healthy eyesight, cherimoya is an excellent source of antioxidants for your eyes. Several studies have linked high lutein intake to good eye health and a decreased risk of age-related macular degeneration (AMD), a disorder characterised by vision loss and eye damage. Besides protecting from cataracts, a clouding of the lens that results in poor vision and vision loss, lutein may also guard against other eye conditions. Thus, eating foods high in lutein, including cherimoya, can improve eye health and lower the risk of diseases such as AMD and cataracts.
2. Can promote healthy digestion: One cup of cherimoya contains about 5 grams of dietary fibre or more than 17% of the recommended dietary intake (RDI). Fibre gives stool weight and helps it pass through your intestine as it cannot be digested or absorbed. Furthermore, soluble fibres, such as those in cherimoya, can ferment to form short-chain fatty acids (SCFAs) and nourish the beneficial bacteria in your stomach. Propionate, acetate, and butyrate are some of these acids.

Besides providing your body with energy, SCFAs may help prevent inflammatory diseases of the digestive system, such as ulcerative colitis and Crohn's disease. Custard apples and other high-fibre meals support regular bowel motions and the health of the digestive system by feeding gut flora.

3. Can bolster immunity: One of the benefits of custard apple is that they are rich in vitamin C, which boosts immunity by warding off illnesses and infections. Reduced immunity and a higher risk of infection are associated with vitamin C deficiency.

Human studies further suggest that vitamin C could lessen the duration of the common cold. A straightforward method to ensure your immune system is functioning properly is to eat cherimoya and other foods high in this vitamin.

Mustard oil, derived from the seeds of the mustard plant, is a staple in Indian cooking. Given its potent flavour, aroma, and high smoke point, mustard oil is regularly used for stir-frying and sautéing vegetables in many parts of the world, including India, Bangladesh, Nepal, and Pakistan.

Although it is proscribed as a vegetable oil in the US, Canada, and Europe, pure mustard oil is commonly applied topically and used as a massage oil, skin serum, and hair treatment. Furthermore, it is acceptable and practical to use mustard essential oil, a kind of essential oil made from mustard seeds by a steam distillation procedure, as a flavouring agent.

What are the Health Benefits of Mustard Oil?

Listed below are the benefits of mustard oil: 

1. Enhances skin quality and hair health 

Applying pure mustard oil regularly on the skin and hair can assist in revitalising them. In addition to being a component in do-it-yourself face and hair masks, you can occasionally combine mustard oil with wax and apply it to the foot to help treat cracked heels.

Most of the information now available regarding the topical advantages of pure mustard oil is anecdotal, even though many people claim improvements in fine lines, wrinkles, and hair growth. Use only a tiny amount of mustard oil and do a patch test before applying it to your skin or scalp.

2. May alleviate discomfort

Allyl isothiocyanate is a chemical component found in mustard oil, and researchers have extensively studied its effects on the body's pain receptors. Despite the dearth of human studies, one animal study found that adding mustard oil to mice's drinking water could desensitise particular pain receptors and alleviate generalised pain.

Alpha-linolenic acid (ALA) is an omega-3 fatty acid prevalent in mustard oil, which may help soothe pain and reduce inflammation from conditions such as rheumatoid arthritis. However, remember that topical application of pure mustard oil for protracted periods has produced severe burns on the skin.

3. Can prevent microbial growth 

According to specific research, the mustard essential oil has strong antibacterial qualities and may be able to prevent the growth of some dangerous bacterial strains.

In test-tube research, white mustard essential oil was found to inhibit the growth of multiple bacterial species, including Bacillus cereus, Staphylococcus aureus, and Escherichia coli. A more in-depth study is necessary to find out how the benefits of mustard oil can affect human health, as the majority of evidence comes from trials conducted in test tubes.

You must have heard of the bountiful advantages of olive oil, and the olive fruit itself is not far behind regarding its many benefits. These stone- or drupe-like fruits are related to almonds, peaches, cherries, mangoes, and pistachios. Olives are rich in vitamin E and other powerful antioxidants, making this fruit an excellent choice for improving overall health.

Monosaturated fat in olives is good for health. Hair experts say, “Some fat found in olives and olive oil are not bad; these are heart-healthy.”

Let’s dig deeper and explore the core benefits of olives for overall health transformation. 

What are the Health Benefits of Olives?

Olives are your reliable natural ingredients to attain overall health transformation. Here are the benefits of olives for your reference:

1. Improves heart health: Olives contain oleic acid that can optimise heart health by reducing high BP and pumping good cholesterol.
2. Provides healthy fats: All fats are not bad, and olives are a rich source of healthy fats that may control obesity. Olives contain more calories than protein and carbohydrates, making the fruit suitable for heart health and maintaining a balanced weight.
3. Boosts fibre in diet: A study says a half cup of olives contains around 1.5 grams of fibre. Fibre in our diet is crucial for maintaining a healthy digestive system, feeling full for an extended time, and improving heart health. We Indians usually do not consume enough fibre; olives can bridge that gap significantly.
4. Improves bone health and immunity: Vitamin E is crucial for healthy bones and muscles. It enhances immunity and protects from several diseases. It can also help decrease the risk of severe diseases such as Parkinson’s and cancer.
5. Vitamin E supply: Doctors recommend against relying too much on vitamin E supplements. We should promote vitamin E intake through foods rich in vitamin E, for instance, olives. Leverage the benefits of olives through diverse recipes and add-ons.
6. Makes you feel full: Olives are rich in fat and are a perfect snack for light hunger and keeping hunger at bay till the next full-course meal.
7. Reduces cancer risk: Olives contain antioxidants and phytonutrients that minimise inflammation and provide protection from diseases such as cancer.
8. Manages blood sugar levels: Monosaturated fats in olives can control blood sugar levels and improve diabetic conditions.