In the absence of a medical health insurance, you run the risk of depleting your savings or you may have to settle for below par health care facilities which may have far reaching effects on you or your loved ones’ health.

It is wise to choose a health insurance plan like the complete health insurance plan under which you can opt for individual or floater coverage for your family. With this plan, you can get access to the insurance provider’s network of quality health care providers for cashless claims. Thus your loved ones can enjoy the advantages of a larger sum insured while availing the best possible care at premium health care facilities.

Such comprehensive insurance policy may not include Sub-limits, refer to policy document for details. A sub-limit is any restriction on the sum insured for any treatment or medical services covered by the policy. This means that you and your family members can make claims for the full sum insured under your selected medical health insurance policy structure. The lifelong renewability feature is another enticing benefit offered by this policy and must be considered carefully when selecting your insurance policy.

Under this policy, there is no health insurance deductible, which means that you do not have to worry about making any payments for diseases or ailments covered under your policy. You can then concentrate on the well being and comfort of your loved one without the worrying even about a fraction of the hospital bill. co-payment is the fraction of the cost payable by the insured for medical services covered by the plan. Your complete health insurance policy may not have any co-payments which further adds to the overall benefit.

With a health insurance policy, you not only have the advantage of quality health care but can also enjoy considerable tax benefits. This is because under Section 80D of the Income Tax Act, investments made towards the payment of premium for health insurance are eligible for rebate from your taxable income up to a certain limit. Thus, you can savinge up to Rs. 15,000 per year on the premium paid for your insurance policy. Also, if you are paying the premium for your insured parents who are senior citizens, you can claim an additional amount of Rs. 20,000 per year.

Thus, your health insurance policy is not only full of medical benefits but also enhances net savings in the long run.

Ever experience blurred vision, watery eyes or pain behind the neck? Often feel exhausted and sluggish at the end of the day, even without much physical exertion? These could be your body's way of telling you that you have been sitting for long hours at a stretch at your work desk.

Working without breaks can be counterproductive and might result in stress. Here are some simple ways in which you can de-stress yourself without getting away from your desk:

1. Gaze out of your window

In school, we were told not to gaze out of the window while classes were going on. However, sometimes that is just what your mind needs for rejuvenation and regained focus.

If your thoughts happen to drift away, take a short break. Allow your thoughts to flow. The sub-conscious works in mysterious ways; you just might find the solution you were looking for, in the midst of your daydreaming.

2. Doodle Away

Whenever you panic over an important assignment, or hyperventilate over an impossible deadline, take a pen and paper and let your right brain go crazy. Make some cartoons or just draw whatever comes to your mind.

Meanwhile, your left brain takes a break so you can start fresh with your work once again. Remember, you want to relax, not add to your stress. So don't worry about how your picture or sketch turns out, even random squiggles can help!

3. Meditate

While it may seem boring, meditation has been proven quite effective to manage your mind. Simply close your eyes and take deep breaths.

If you are unable to concentrate with your eyes closed, then look at soothing images or listen to relaxing music. The sound of flowing water is known for its calming effect. Perform better in meetings or achieve deadlines with a clear head.

4. Go to Your Happy Place

Your happy place is any environment where you feel safe and relaxed. It can be anything and have anything that you fancy.

It could be the house made of candy from 'Hansel and Gretel'. Or a room filled with books. To each his own, right?

5. Flex Your Muscles

Staying in one position can make your body stiff. It is imperative that you do certain movements that will help you relax and prevent your muscles from sleeping.

Open your jaw as wide as you can. Roll your shoulders back twice, then forward twice, then back once more. Also, stretch your arms and legs frequently.

6. Mind Your Posture

Most corporate jobs today require you to sit in front of a screen. Our bodies start to contract and emulate the stress we feel in our muscular system. This is most reflected on the back, neck and shoulders.

Make sure that your head is in alignment with your neck and that your back is straight. According to good ergonomics, your computer screen should be at least an arm's length away from you.

These six tips will go a long way to help you stay fit and be more productive and comfortable at work. However, don't let these activities come in the way of your work.

“Do the difficult things while they are easy, and do the great things while they are small. A journey of a thousand miles must begin with a single step.” This quote by Lao Tzu, a Chinese philosopher and writer, emphasises the need to initiate with a step, however small it may be. The same applies when you take a small step towards your fitness – whether you choose to climb the stairs, decide to walk those short distances, or eat healthy.

However, amidst hectic schedules and meeting deadlines, you may find it difficult to cope. According to an online study conducted by Bodybuilding.com, 73% of the people who had fitness goals as a part of their new year resolution, gave up before meeting their goals. The beginning of anything is always the toughest; the key is in not giving up.

Here are five useful tips that will help you stick to your exercise routines and healthy diet against all odds:

• Do it for Yourself

Do not hit the gym because others think you should; do it for yourself. There is nothing as transient as external motivation. Self-motivation will keep you going for years on end. Ask yourself the following questions, ‘Why do I need to be fit?’, ‘What will my body achieve by staying healthy?’ ‘How do I stay fit?’

Remember the need for you to stay healthy and create custom routines that suit you, the rest will follow.

• Set Reasonable Goals

Being healthy is not just about running or hitting the gym for hours, it is about taking baby steps. Know your limitations to avoid undue exertion that may wear you out or inflict muscle injury. Consult a qualified trainer if you decide to change your routine.

• Mix and Balance

You will be nothing but disappointed and discouraged, if you believe that only working out would strengthen your immune system. The American Journal of Clinical Nutrition, published a study, which explicitly stated that, a combination of healthy eating and exercise is the preferred roadmap to a healthy heart. Striking a perfect balance between these two is a prerequisite for good health. What’s more, mixing various exercise forms such as cardio, aerobics, yoga with interesting food that keeps you energetic all day long will definitely keep it interesting for you.

• Find a Friend

Your friends are your extended family. Sometimes, what you can't, your friend's pep talk can. Find a friend whose fitness goals coincide with yours. Break the monotony of your workout sessions by getting them along; make the burn session a fun session with them. Plan activities such as cycling, hiking or walking with your significant other or children over the weekends to spread the awareness in your family.

• Leverage Technology

Technology is a boon when it comes to the fitness domain. There are various mobile applications that you can download to keep a track of your workout sessions. You can measure your Body Mass Index, compare the results with your goals, and then work towards filling the gap.

Staying healthy is physically and mentally rewarding. With ICICI Lombard, it is fiscally rewarding as well! Our health insurance plans include a Wellness program that rewards you for your healthy habits. Your healthy behaviour will entitle you to our wellness points that can be redeemed later as per our redemption terms and conditions. #Dothedifficult, and get the beneficial!

In the absence of insulin, the glucose is unavailable to the cells and it simply accumulates in the blood. Glucose is the primary source of energy for our body cells and if it is unavailable, it causes all sorts of complications. This bad karma is called diabetes.

Let's Look at the Different Types of Diabetes

Type 1 Diabetes

Also known as insulin-dependent diabetes, or juvenile diabetes or early-onset diabetes, this type is seen in about 10% of diabetics. This is an autoimmune disorder in which the body's immune system destroys the beta cells of the pancreas, which are responsible for the production of insulin. The person's pancreas does not produce any insulin and the person has to rely on injected insulin for the rest of his/her life.

Type 2 Diabetes

This is the most common form of diabetes and is seen in approximately 90% of diabetics worldwide. In this disorder, body cells do not respond to insulin and eventually, the production of insulin may also decline.

Gestational Diabetes

This only affects pregnant females.

Why Does Anyone Get Diabetes?

It is difficult to pinpoint the causes of this complicated disorder. Heredity plays an important role in the development of diabetes as does race. It is found that people from the Middle East, Africa and South East Asia are at a greater risk of getting diabetes than others.

Besides these common symptoms, a few other symptoms (not specific to the disorder) are:

1. Blurred eyesight
2. Fatigue
3. Headache
4. Irritability
5. Cuts And Wounds that take an unusually long time to heal
6. Itchy Skin
7. Sexual Dysfunction In Men

The primary problem associated with diabetes is the sudden rise in blood glucose levels, called hyperglycemia. This can manifest by symptoms that include shakiness, anxiety, palpitations, abdominal discomfort, etc.

How Can You Cure Diabetes?

Diabetes cannot be cured by taking drugs, but it can be very well managed. In many cases, type 2 diabetes has been completely reversed through lifestyle modifications. Regular uptake of insulin in case of type 1 diabetes, a healthy eating and exercise plan, periodic checking of blood glucose levels, giving up of smoking and alcohol consumption are all part of a management strategy for diabetes.

Diabetes is spreading like a pandemic. Estimates suggest that as many as 382 million people in the world suffered from diabetes in 2013. Researchers and scientists foresee diabetes as the seventh leading cause of death by the year 2030.

But, all is not lost yet. While type 1 diabetes can not be prevented, type 2 can. All it needs is a change in our current lifestyle and a motivation for leading a healthier life.

While they affect only a small percentage of the population, treatment of rare diseases can burn a big hole in your pocket

Rare diseases refer to ailments that affect a small section of the population. Note that most rare diseases are genetic; hence, people diagnosed with these have to live with them throughout their lives. Since these ailments don’t affect a large section of the population, awareness regarding them is quite low.

India’s National Policy for Treatment for Rare Diseases in 2017 estimated approximately 6,000 ^[1] to 8,000 rare diseases with 450 ^[2] of them recorded in India. In this article, we will tell you about some of the rare ailments and their treatment.

Pompe

A rare neuromuscular disorder, the disease is inherited by a defective gene from parents. A progressive ailment which gets worse with time, the disease causes loss of muscle tissue and muscle weakness. It also results in difficulty in breathing and frequent respiratory infections such as pneumonia and bronchitis.

Enzyme replacement therapy is one of the possible treatments for Pompe, while gene and stem cell therapies are under development. The cost of treating the ailment is pretty high and can easily upwards of Rs. 35 lakhs. Also, there’s a need for supportive care like physiotherapy along with monthly medicines, which can further augment costs.

Haemophilia

This is another rare disease, which prevents the normal clotting of blood because of insufficient blood clotting proteins. People suffering from this disorder bleed for a longer time, post an injury than others would.

The symptoms include unusual bleeding post-vaccination, nosebleeds without any reason, deep bruises, and pain and swelling in joints. The primary treatment of this rare disease includes replacement of special clotting factor, to be administered regularly to prevent excessive bleeding.

Clot-preserving medications which prevent the clot from breaking down can also be administered. The cost of replacement therapy can run upwards of Rs. 2 lakhs as per the level of severity of the disease.

Sickle Cell Anaemia

It’s an inherited red blood disorder, where there aren’t enough healthy red blood cells (RBCs) that carry oxygen. In this, the RBCs are like sickles and get stuck in the blood vessels, thus blocking blood flow and oxygen throughout the body.

There’s no specific cure for sickle cell anaemia, and most treatments are geared to relieve pain and prevent complications associated with the ailment. In some cases, doctors may administer blood transfusion and bone marrow transplant. Bone marrow transplant is extremely expensive and can cost upwards of Rs. 16 lakhs.

Cystic Fibrosis

An inherited disorder, cystic fibrosis causes severe damage to lungs, digestive system along with other organs. The disease impacts the cells which produce digestive juices, sweat and mucus. The symptoms of the disease include repeated lung infection, persistent cough producing thick mucus and inflamed nasal passages, among others. Chronic constipation is also one of the signs of the disease.

Treatment includes controlling infections occurring in lungs, preventing intestinal blockage and having adequate nutrition. Apart from these, airways clearance techniques to keep sinuses and airways clean also go a long way in providing relief to patients suffering from the ailment.

Gaucher Disease

This ailment is caused due to the build-up of certain fatty substances in organs such as liver and spleen. This causes them to bulge and affect their performance. The fatty substance can also build up in bone tissue and weakening it in the process. If the bone marrow is affected, then it can interfere in the blood’s ability to clot.

Abdominal complaints, blood disorders and skeletal abnormalities are some of the symptoms of this disease. Enzyme replacement therapy (ERT) and substrate reduction therapy (SRT) are two treatment options available for Gaucher disease. ERT therapy can cost upwards of Rs. 40 lakhs a year.

Haemangioma

Haemangioma is a bright red birthmark which shows up at birth or during the first and second week of life. Appearing as a rubbery bump, it is made up of extra blood vessels in the skin. Though it can occur anywhere in the body, most commonly it appears on scalp, chest, face or back.

While a baby’s haemangioma fades with time, treatment is required if it interferes in breathing, seeing or other functions. Treatment includes laser therapy or medications.

In conclusion

While the severity and symptoms of rare diseases may vary, the cost of treatment is extremely high, which can significantly dry up your savings. In such a scenario, a health insurance plan can come to your rescue and prevent out-of-pocket expenditure.

In other words, a comprehensive health plan can fortify your finances from taking a dip during treatment of any of the above-mentioned rare diseases.

Data sources: [1][2] https://www.thehindu.com/sci-tech/health/rare-diseases-incredibly-costly-to-treat-affect-up-to-96-million-indians/article28203122.ece https://pompeindia.org/about-pompe/ https://www.lybrate.com/topic/hemophilia https://www.lyfboat.com/sickle-cell-anemia-treatment-in-india/

Ways to avoid deposits in the kidney and prevent excruciating pain

Kidney stones are solid deposits which originate in the kidney. The initial microscopic deposits grow into large stones when certain chemicals become concentrated enough in the urine to form crystals. They result in excruciating pain, coming in waves until the tiny stone passes through the urinary plumbing and out of the body. In some cases, kidney stones become lodged in the ureter and block the flow of urine.

Most stones are formed when calcium combines with either of two substances: oxalate or phosphorous. Stones can also form from uric acid, which forms as the body metabolises protein. Also, it is not a one-time problem: in about half of people suffering with kidney stones, another appears within seven years if there are no preventive measures taken.

Studies show that kidney stones appear to be more common in people with Asian and Caucasian backgrounds. Preventing kidney stones means preventing the conditions which support and instigate their formation.

Lifestyle changes

The deposits in the kidney form when urine contains more crystal-forming substances than the fluid in the urine can dilute. It may lack substances that prevent crystals from sticking together, creating an ideal environment for stone formation.

• Drink Your Way

Living in a hot and dry climate necessitates drinking more water and produces more urine, about 2.5 litres a day. Dehydration often causes low urine volume and less fluid to grab calcium and other compounds in the urinary system. Unless the urine is light and clear, keep drinking enough water.

• Avoid Sugar

Diets high in sugar can increase urinary calcium excretion and increase the risk of kidney stone formation. Soft drinks and sweets are the biggest dietary causes as they often contain high levels of fructose and phosphoric acid. Natural sweeteners, like stevia, have the unique ability to regulate blood sugar levels.

• Avoid Oxalate-rich Foods

If you tend to form calcium oxalate stones, it is recommended restricting foods rich in oxalates. These include rhubarb, beets, okra, spinach, Swiss chard, sweet potatoes, nuts, tea, chocolate, and soy products.

• Add Rice Bran to Your Diet

It has been observed that high-fibre diets reduce the risk of developing kidney stones. In fact, a study found that when patients took 10 grams of rice bran twice daily, their recurrence rate for kidney stones was reduced by almost 80 percent.

• Avoid High Sodium Intake

Too much of sodium intake can create mineral imbalances in the body. If you are on a moderate-high carbohydrate diet, the body will naturally retain sodium and can cause more problems with mineral balance. Low-carbohydrate, high-fat diets excrete sodium and therefore need more good salts.

Stay away from processed salts and processed sodium-rich foods, and consume natural foods. Stick to a low-moderate carbohydrate, high-good fat diet and consume unprocessed sea salts and pink salts.

• Create A Calcium-rich Diet

Diets low in calcium can increase kidney stone formation in some people. A daily glass of orange juice can help prevent the recurrence of kidney stones better than other citrus fruit juices such as lemonade.

Medically managing recurrent kidney stones requires dietary and lifestyle changes as well as treatment such as the addition of potassium citrate, which lowers the rate of new stone formation in patients with kidney stones.

Treatment of kidney stones is a costly affair these days. You need to undergo several blood and urine tests followed by CT scans, specialist visits, lab analysis of kidney stone and antibiotics prescription. The entire process can be financially draining. A health insurance is a smart way to cover yourself against these expenses. With free health check-ups and cashless hospitalisation facilities, you can always rest assured in times of hardships.

Related Article:

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Fighting Vector-borne Diseases: The Smart Way

A vast section of the Indian population continues to be outside the purview of health insurance , found a report titled ‘Indian Life and Health Insurance Sectors’ from consulting firm Milliman.

The report found only 44% of the total population in the country to have a health insurance policy as of 2017. It essentially means 56% of the country’s 1.3 billion people don’t have a health cover.

The report also found the private sector to be spending a significant chunk of the healthcare expenditure in India at 70%, with the government spending only 30%. Contrary to this, the federal and state government in the US contribute as much as 45%.

Though health insurance penetration has gone up over the last few years, the market is still significantly untapped. While 76% of the population didn’t have any health cover in 2013-14, the number dropped to 56% during 2016-17. The Milliman report found the number of uncovered people by subtracting the covered people from the population estimate as given in the National Health Profile.

The report also found standalone health insurers gaining a significant presence in the retail segment between 2013-17. Experts attribute this rise to the ability of standalone health insurers to innovate their best health insurance products and aligning them with the needs of customers.

The report also says that the ambitious Aayushman Bharat Scheme launched by the Government this year, that plans to cover over 10 crore poor and vulnerable families offering coverage up to ₹5 lakh per family, will upgrade over 1.5 lakh sub-centres to wellness centres by 2022. It’s anticipated that those not eligible for coverage under Aayushman Bharat will opt for private insurance.

The Insurance and Regulatory Authority of India (IRDAI) in a recent notification has removed some items from the list of “optional cover” like psychiatric treatment, dental procedures, infertility and stem cell treatment. However, the notification was inconclusive in nature and has only created further ambiguity on whether such removal of items is to facilitate their mandatory cover or not.

In the notification, the IRDAI said in a partial modification of guidelines on standardisation of health insurance business some items have been deleted from the said list of ‘‘items for which optional cover may be offered by insurers’’.

These items mentioned in the IRDAI notification included assisted conception procedure, hormone replacement therapy, infertility, sub-fertility, obesity treatment, dental treatment that do not require hospitalization, treatment of sexually transmitted diseases, psychiatric and psychosomatic procedures, any expense when the patient is found affected with retro virus or suffering from HIV/AIDS, stem cell implantation, corrective surgery for refractive error, surgery and storage and aesthetic treatment and surgery.

The chief product officer of a leading insurance company said, “In the 2016 list of optional cover, there are 199 items. IRDAI has deleted some of these items. Being optional these were not covered by the insurers. Now, the companies have to examine whether they like to cover them or mention them as permanent exclusions. Covering all these in the policies is not easy as it will need product modification and have a pricing impact”.

“IRDAI has corrected an anomaly as these treatments were part of the non-payable items. Now, they can be included in the product design,” said Sanjay Datta, chief underwriting, claims and reinsurance - ICICI Lombard. He added that these items that were not a part of the hospitalisation cover earlier could now be covered as add-ons.

ICICI Lombard Health Insurance Cashless Network Hospital List in Mau, Uttar Pradesh

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• Top Up Health Insurance
• Arogya Sanjeevani Policy
• Corona Kavach Policy
• Senior Citizen Health Insurance
• Parents Health Insurance
• Children Health Insurance

which offers people much needed financial backup during any medical emergencies.

ICICI Lombard Health Insurance Cashless Network Hospital List in Maharajganj, Uttar Pradesh

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• Top Up Health Insurance
• Arogya Sanjeevani Policy
• Corona Kavach Policy
• Senior Citizen Health Insurance
• Parents Health Insurance
• Children Health Insurance

which offers people much needed financial backup during any medical emergencies.

ICICI Lombard Health Insurance Cashless Network Hospital List in Lucknow, Uttar Pradesh

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• Activate Booster (Top Up Health Insurance)
• Arogya Sanjeevani Policy
• Corona Kavach Policy
• Senior Citizen Health Insurance
• Parents Health Insurance
• Children Health Insurance

which offers people much needed financial backup during any medical emergencies.

ICICI Lombard Health Insurance Cashless Network Hospital List in Lalitpur, Uttar Pradesh

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• Top Up Health Insurance
• Arogya Sanjeevani Policy
• Corona Kavach Policy
• Senior Citizen Health Insurance
• Parents Health Insurance
• Children Health Insurance

which offers people much needed financial backup during any medical emergencies.

ICICI Lombard Health Insurance Cashless Network Hospital List in Lakhimpur, Uttar Pradesh

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• Top Up Health Insurance
• Arogya Sanjeevani Policy
• Corona Kavach Policy
• Senior Citizen Health Insurance
• Parents Health Insurance
• Children Health Insurance

which offers people much needed financial backup during any medical emergencies.

ICICI Lombard Health Insurance Cashless Network Hospital List in Khurja, Uttar Pradesh

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• Top Up Health Insurance
• Arogya Sanjeevani Policy
• Corona Kavach Policy
• Senior Citizen Health Insurance
• Parents Health Insurance
• Children Health Insurance

which offers people much needed financial backup during any medical emergencies.

ICICI Lombard Health Insurance Cashless Network Hospital List in Kheri, Uttar Pradesh

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• Top Up Health Insurance
• Arogya Sanjeevani Policy
• Corona Kavach Policy
• Senior Citizen Health Insurance
• Parents Health Insurance
• Children Health Insurance

which offers people much needed financial backup during any medical emergencies.

ICICI Lombard Health Insurance Cashless Network Hospital List in Kanpur, Uttar Pradesh

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• Activate Booster (Top Up Health Insurance)
• Arogya Sanjeevani Policy
• Corona Kavach Policy
• Senior Citizen Health Insurance
• Parents Health Insurance
• Children Health Insurance

which offers people much needed financial backup during any medical emergencies.

Know how people manage to exercise on a regular basis.

It is often said that 'Health is Wealth'. Today's hectic lifestyle is rapidly taking a toll on this 'wealth'. Obesity, diabetes, blood pressure are becoming common ailments. Inspite of their busy schedules, there are a few people who keep themselves fit. These fitness enthusiasts choose to jog in the morning or hit the gym after office or engage in other physical activity to stay fit. They fight that barrier of laziness to exercise their way to fitness.

Everybody desires to be fit and have a healthy body. Often, we fail to stick to the routine. We start exercising, do it for a few days and get too lazy to continue. The same is not the case with the ones who love exercising. They adhere to their schedule; even find extra time to burn those calories. Following are 6 secrets of people who love to exercise.

They Do What They Want

Going to the gym is not the only way to stay fit. People choose to go for a run, pursue dancing, some practice Karate. People who love to exercise do not force themselves to perform an exercise they don't like.
Performing the exercise of your choice keeps your interest alive, making you want to do it the next day and the next.

They Work Out With Friends

Exercising in a solitary environment can be monotonous and may lead to giving up. Exercise lovers often have a friend or a group of people to exercise with.
A workout partner or a group can go a long way in motivating you and help you push yourself. You can foster new relationships and widen your social group in that manner.

They Focus On the Benefits

Daily exercise yields both short and long-term benefits. Focusing on what they reap from this hard work fuels their engine to maintain their schedule every day. This makes exercising less dreaded and more enjoyable. Some might consider six pack abs as a benefit while some may look at a healthy heart as a result of continuous exercising. Focusing on the benefits is what keeps them going.

Once your baby starts crawling, he or she would be eager and ready to touch, grab or snatch everything on sight. Although it is amusing to watch your little bundle of mischief do that, you would want to keep your baby safe from any danger. So, set aside a few hours or even a day to rearrange equipments and furniture at your home. Remember, the key is to try and keep potential hazards out of your baby's inquisitive range of vision. Also, don't forget to protect your precious one with child health insurance plan.

To get you started, here are some basic tips that might be useful:

1. Get the baby view

What can be a better idea than to check for possible distractions through your baby's eyes? Crawl along and check the view from ground level. Ask yourself - what is within your baby's reach? Or, what could attract the baby?

2. Keep a grip on those cords

Computer wires or electrical cords hardly deserved much thought when it was only you and your spouse. But these could just become a play attraction for your child. Bind the cords together with a cord holder and keep it fastened against the wall to keep your baby safe against electrical shocks.

3. Crib caution

Make sure the crib rails are a little higher than the baby's height. Also, remember to test the width of the slats so that your baby can't fit his head through it. Keep soft toys, pillows or blankets out of the sleep space as it could lead to suffocation.

4. Medicine or baby candies?

Your medicines are like candy for his eyes, avoid keeping them in places that are easily accessible. Store them in high and locked cabinets or toss the unnecessary ones out in the trash. Avoid taking medicines in front of your child, lest he tries imitating you.

5. Obstruct prying fingers

Safety Precaution 101 - cover all exposed electrical sockets that are at the ground level. You can hide them behind large furniture or use 'childproof' covers available in the market.

6. Learn to latch and lock

Young mothers must keep in mind that if there are open cabinets and pin drop silence in the house, your child has definitely explored all four corners of it. Latch cabinets with a lock especially if you are storing chemicals and cleaners in them. Similarly, storage spaces for electrical appliances too need to be locked at all times.

Budapest nightlife offers something for everyone. Whether you’re looking for a casual evening out with friends or the chance to experience the city’s vibrant club scene, there is an endless variety of choices. From intimate cocktail bars to bustling nightclubs, Budapest has it all. No matter your taste in nightlife, you’ll find something to suit the city’s many vibrant spots and moods! In this post, we’ll explore some of Budapest’s top places to immerse yourself in its dynamic after-dark scene.

Places to go in Budapest

Budapest’s nightlife is a dazzling mix of history, culture and modern entertainment. Thus, whether you’re a night-time explorer or somebody hoping to loosen up following a day of touring, Budapest nightlife brings something to the table for everybody.

• Ruin bars: Where history meets entertainment

A defining feature of Budapest’s nightlife is its unique ruin bars. These establishments are a fusion of art, culture and entertainment, often set in dilapidated buildings or courtyards. Szimpla Kert, one of the pioneers of this trend, is a testament to the city’s creative spirit. With its mismatched furniture, graffiti-covered walls, and an eclectic mix of music, Szimpla Kert offers an unforgettable bohemian experience. Instant-Fogas is another favourite, boasting multiple dance floors and a labyrinthine layout within its historic walls.

• Elegant ruin pubs: A classy twist

For those seeking a more refined atmosphere, Budapest offers elegant ruin pubs that blend sophistication with the unique charm of the ruins. Like Mazel Tov, these venues provide a cosy yet upscale setting, often accompanied by live music and a wide selection of craft cocktails. Mazel Tov’s enchanting garden and glass roof make it just right for a relaxed evening with friends.

• Cruise the Danube: Night lights from the water

The Danube River that flows through Budapest offers a captivating perspective of the city’s illuminated beauty at night. Numerous operators offer night time river cruises, allowing you to enjoy iconic landmarks like the Parliament Building and Buda Castle while sipping a glass of local wine. The gentle lapping of the water and the city’s glittering lights create a truly magical experience.

This is because your health insurance policy not only cushions you from the impact of heavy medical and health care bills but also ensures that the insured can avail of quality health care services. It then becomes important to have a thorough knowledge of the policy features as also the insurance quotes of the insurance provider.

The conventional method of acquiring a health insurance would be to contact the insurance company executive you are interested in. Through these meetings the potential customer acquires knowledge on the health insurance quotes. The agent will also disclose the costs and conditions of the insurance policy so that the interested person can easily make a decision on which policy to buy based on his or her needs.

With changing times and fast paced lives, the means to acquire information regarding health insurance in India have become all the more convenient. Simply log on to the internet, locate insurance provider’s website and browse through various policies on offer. These websites also offer a clear insight into the insurance quotes and the premium payable after taking into account several factors like the age, health of the insured and sum insured coverage chosen. This convenient process takes just few minutes and is a boon for those working on tight schedules.

When buying comprehensive health insurance it is important to select comprehensive insurance policies. These policies not only help you get the best of health care facilities but also reduce the financial load without depleting your savings. Health insurance plans like Complete Health Insurance and Health Care Plus offer several benefits apart from covering medical expenses like cashless claim benefit. Under this feature, the insured can easily avail of health care facility from any of the health care providers under the network of the policy provider.

Some health insurance quotes also include the option of selecting add-on covers with the payment of some additional amount on your premium. These covers can prove extremely beneficial in the long run and add to the complete coverage offered by your health insurance policy.

Knowing several salient features of different health insurance policies can prove extremely beneficial to the potential customer. Also, with technology and easy access to information, selecting your health insurance policy has become considerably easy.

Disclaimer - The article contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation.
  
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