Super top-up health insurance plans provide crucial financial protection for senior citizens, addressing their healthcare needs and safeguarding their savings from emergency medical spends. As medical expenses continue rising, these plans offer an essential safety net to ensure senior citizens access to quality healthcare without worrying about huge bills. In this guide, we will explore the benefits of super top-up plans for senior citizens and guide you through purchasing one.

How does super top-up work for senior citizens?

A super top-up plan functions as an extension of a basic health insurance policy or acts as an independent policy. Here’s how it works:

• The insured pays medical expenses up to the deductible amount.
• Once the cumulative claims in a policy year exceed this deductible, the super top-up plan covers the remaining costs.
• It is beneficial for senior citizens as it offers high coverage at a relatively lower premium compared to a comprehensive health policy.

What is the process of getting super top-up for senior citizens?

Follow these steps to buy a super top up for senior citizens:

• Research

Begin by researching the available super top-up policies in the market. If you are buying the policy for your parents, consider their medical history, health conditions, and your budget while evaluating different plans. Read the policy T&Cs carefully to understand the benefits and limitations.

• Submitting details

Once you've identified a suitable super top up health insurance for senior citizens, visit the insurance provider's official website offering the policy. Fill out the required details. You should provide accurate and complete information to ensure a smooth application process.

• Accuracy check

Before submitting the details, double-check the accuracy of the provided input. Any errors or discrepancies could lead to issues at the time of claim.

• Medical check-up

Depending on the insurance company's policy, senior citizens might need a medical check-up at designated diagnostic centres. This step is crucial for the insurer to assess their health status accurately.

• Policy issuance

After completing the necessary steps and submitting the required documents, the insurance company will issue the super top-up health insurance plan. You will receive the policy documents along with the terms and conditions.

Why opt for super top-up plans for senior citizens?

Given below are the reasons why one should consider buying super top-up plans for senior citizens:

• Affordable Premiums: These plans offer high coverage at lower costs.
• Extensive Coverage: Covers hospitalization expenses beyond the deductible limit.
• Reduced Financial Burden: Provides relief from high out-of-pocket medical costs.
• Flexibility: Works alongside existing health insurance or as a standalone policy.
• Tax Benefits: Premiums on super top up can be used to claim tax deductions as directed under Section 80D of the Income Tax Act.

What's covered and not covered in the super top-up plan for senior citizens?

The inclusions and exclusions in super top-up health insurance are as follows:

Coverage Includes-

• Hospitalization expenses beyond the deductible.
• Pre and post-hospitalization costs.
• Daycare procedures.
• ICU charges.
• Organ donor expenses.
• Ambulance costs.

Exclusions:

• Expenses below the deductible amount.
• Pre-existing diseases (may be covered after a waiting period).
• Cosmetic treatments.
• Self-inflicted injuries.
• Treatments related to drug or alcohol abuse.
• Alternative treatments (varies by insurer).

Benefits of super top-up health insurance for senior citizens

The key benefits of super top-up for senior citizen health insurance are:

• Higher sum insured

One of the significant advantages of super top-up plans is that they offer a higher insured sum compared to base health insurance policies. This higher coverage is vital for senior citizens who are more prone to illnesses and require increased financial protection.

• Financial safety net

Senior citizens often find their retirement funds at risk due to unexpected healthcare expenses. Super top-up plans act as a financial safety net, ensuring their hard-earned savings remain intact and untouched by medical bills.

• One-time deductible payment

Unlike basic health insurance plans , super top-up plans cover medical expenses above a pre-decided deductible amount. Once this amount is paid by the policyholder during the policy term, the remaining claim amount will be paid by the insurance company throughout the term.

• Critical illness support

Critical illnesses can be financially draining, especially for senior citizens. Within a super top-up plan, seniors can choose to take critical illness insurance, which offers peace of mind during medical emergencies.

• Additional coverage

Super top up plans for senior citizens often include coverage for pre and post-hospitalisation costs, alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH), ICU charges, and other medical expenses.

FAQs

1. What does a Super Top-Up Health Insurance plan cover?

A super top-up health Insurance plan provides coverage for medical expenses exceeding a specified deductible amount within a policy year. It covers hospitalization costs, pre and post-hospitalization expenses, ICU charges, ambulance costs, and more.

2. Why is a Super Top-Up plan beneficial for senior citizens?

Super top-up plans offer high coverage at a lower premium, making them an affordable option for senior citizens. They provide financial protection against rising medical costs and work as a supplement to existing health insurance.

3. What advantages do Super Top-Up plans offer senior citizens?

These plans offer extensive health coverage beyond a deductible limit, ensuring financial ease during medical emergencies. They also come with tax benefits, cumulative coverage for multiple claims and flexible deductible options.

4. Can an existing health insurance policy be used to cover the deductible?

Yes, if a senior citizen has a basic health insurance policy, it can be used to cover the deductible amount of the super top-up plan. Otherwise, the deductible must be paid out of pocket.

5. Are there any age restrictions for senior citizens purchasing a Super Top-Up plan?

Most insurers offer super top-up plans to individuals aged 60 years and above, though the maximum entry age may vary between policies.

6. What types of medical costs are covered under a Super Top-Up plan?

These plans cover hospitalization expenses, pre and post-hospitalization costs, daycare procedures, ICU charges, organ donor expenses and ambulance fees, among others.

7. How does the claims process work for a super top-up plan?

To file a claim, the insured must first pay expenses up to the deductible amount. Once the deductible is met, subsequent claims can be submitted with necessary documents, such as hospital bills and discharge summaries, to the insurer for reimbursement or cashless approval.

8. Can I claim tax benefits for the premium paid on a Super Top-Up plan?

Yes, the premium paid for a super top-up plan is eligible for tax deductions under Section 80D of the Income Tax Act.

9. What happens if my total medical expenses do not exceed the deductible in a year?

If the deductible amount is not reached within a policy year, the super top-up plan does not provide coverage and the expenses must be borne by the insured.

10. Is there a restriction on the number of claims under a Super Top-Up plan?

No, there is no limit on the number of claims, as long as the total claim amount exceeds the deductible threshold within the policy year.

11. Can I still use my Super Top-Up plan if my base insurance coverage is exhausted?

Yes, even if the base insurance coverage is depleted, the super top-up plan will cover medical expenses exceeding the deductible amount within the policy year.

Conclusion

A super top-up health Insurance plan is an excellent solution for senior citizens seeking extensive health coverage at an affordable cost. If you are not able to get a fresh insurance policy for your senior citizen parents due to their age, you can look at super top-up plans for yourself, that offer adding your parents under the coverage. This is possible within family floater policies. Also, look for lifetime renewable policies, so that once your parents are insured, they can be covered for life without worrying about renewable eligibility every year.

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.

Emergencies don't wait for anyone, and neither do medical expenses. While basic health insurance covers a significant portion of healthcare costs, sometimes unforeseen circumstances can lead to expenses beyond its coverage. This is where top-up health insurance acts as a financial safety net. Let's delve into how this insurance option works.

What is top-up health insurance?

Top-up health insurance serves as a crucial extension of your existing individual or employer health insurance coverage. It provides policyholders with additional financial protection to address situations where their primary health insurance coverage proves insufficient to cover hefty medical expenses. This insurance option acts as a safety net, ensuring you are not left financially vulnerable during unexpected medical emergencies.

In simpler terms, imagine your primary health insurance covers up to 6 lakh sum insured. However, in case of a serious illness or accident, your hospital bill came to 10 lakh. In this case, the bill leaves you with 4 lakh out-of-pocket expenses. This is where a top-up health insurance plan comes into play, covering the remaining 4 lakh. In other words, it steps in to cover the expenses surpassing your primary coverage, offering comprehensive protection and reducing your financial burden.

A top-up plan provides peace of mind by bridging the gap between your existing health insurance coverage and potentially high medical costs. It ensures you can access quality healthcare without worrying about the financial implications of extensive treatments or procedures. This added layer of security makes top-up health insurance an essential consideration for anyone seeking higher coverage against unforeseen medical expenses.

We know that navigating the world of taxes and insurance can be overwhelming. Moreover, insurance premiums can also be expensive. Luckily, the Indian Income Tax Act's Section 80D comes to the rescue. This provision allows you to claim deductions for medical insurance premiums paid for your parents, lightening your financial load while ensuring their well-being. Let's explore how this works and how you can secure their health while enjoying tax benefits.

What is Section 80D?                   

Listed below is a breakdown of Section 80D, to help you understand it better:

• Section 80D is a beneficial provision under the Indian Income Tax Act.
• It's aimed at encouraging individuals to secure their health and that of their family members through medical insurance.
• It allows taxpayers to claim deductions on medical insurance premiums paid, including premiums for parents' coverage.
• The deductions are available for individuals and Hindu Undivided Families (HUFs).
• This provision recognizes the rising need for comprehensive health coverage, especially for senior citizens.
• Taxpayers can claim deductions over and above the deductions claimed under Section 80C for life insurance.
• The deduction limits vary based on the insured individual's age and coverage type (self or parents).
• It includes deductions for preventive health check-ups, which can be vital for early detection of health issues.
• Payments eligible for deductions include medical insurance premiums for self, spouse, dependent children and parents, and contributions to specific government health schemes.
• The mode of payment matters; deductions are not allowed for cash payments (except in the case of preventative health check-up payment, which can be made in cash).
• This provision contributes to easing the financial burden of medical expenses while promoting prudent healthcare planning.

Let's talk about something that will help you save taxes while taking care of your health smartly. Section 80D of the Income Tax Act, 1961, was created to promote efficient health planning. This section offers deductions on health insurance premiums and medical expenses. So, you can be covered financially during unexpected health issues, and you can also lessen your tax burden. Let's dive in and see what this section brings to the health and wealth table!

What is Section 80D in health insurance?

If you're wondering about "Section 80D" in the world of health insurance, let us break it down for you. Imagine it as a secret treasure map in income tax, guiding you towards saving money while ensuring your health expenses stay in check.

In simpler terms, Section 80D grants you tax deductions on the premium you pay for your health insurance policies. It means while safeguarding your health and well-being, you're also lightening your income tax load.

But it doesn't stop there! This section doesn't just cover your insurance premiums; it also helps safeguard your loved ones. You can claim deductions not only for your health policy but also for the policies you take for your dependents: spouse, children and parents. It's a win-win situation – securing your family's health and getting tax benefits simultaneously.

So, the next time you consider buying a health insurance policy, remember that Section 80D is your ticket to a healthier and wealthier future.

In health insurance, cumulative bonus stands out for its key advantage: boosting your coverage at no added cost. This bonus not only extends coverage during medical emergencies but also functions as a money-saving tool. Let’s look into the meaning of cumulative bonus in health insurance to understand this feature better.

What is cumulative bonus in health insurance?

Simply put, cumulative bonus in health insurance is like a special gift you receive from your insurer. It's their way of saying "great job" for staying healthy and not needing to make a claim.

• If you go without making claims for a whole year, your premium might even get cheaper. This is offered by a few insurance providers and it is called a "premium discount." So, the longer you go without needing to use your insurance, the more you benefit.
• However, the more common type of bonus is the increase in sum insured if no claims are made during the year. This is termed as “no-claim bonus” and it is a fixed percentage of your sum insured – usually 5% or 10%. So if the first year your sum insured was 5 lakh and you made no claim, the next year your sum insured will automatically increase to 5.5 lakh.
• The Cumulative Bonus isn't restricted to individuals; it works for family floater health insurance plans too. But not all insurance companies may offer this bonus. And even if they do, there are some rules you need to follow to be eligible. So, if you're thinking about choosing a policy with the Cumulative Bonus, it's a good idea to carefully read and understand the policy documents.

Pregnancy is a beautiful experience for many women, but one that also brings on a range of challenges. One common issue that many pregnant women experience is back pain which makes it difficult for them to sleep comfortably and get proper rest. This is mainly because during pregnancy, a woman gains a significant amount of weight, her centre of gravity changes, and hormonal changes make her ligaments softer to prepare her for pregnancy. In this article, we will discover different pregnancy back pain remedies for sleeping, which can prevent or ease pain.

Tips to relieve back pain during pregnancy while sleeping

Listed below are several pregnancy back pain remedies for sleeping that a woman could try:

• Sleep on your side

Sleeping on your side and not on your back can ease some back pain, as this can help to reduce the pressure on our lower back and hips. If you are having trouble sleeping on your side, try using a body pillow that supports your belly and back. Or, use maternity pillows available in the market that are specially designed for pregnant women.

• Use a supportive mattress

A supportive mattress can help significantly reduce back pain. Use a firm mattress that can properly support your body while you sleep. It's best to first consult a healthcare professional for guidance before buying a new mattress.

• Apply a warm or cold compress to your back

Applying a warm or cold compress to your back can help reduce pain and inflammation. For a cold compress, use an ice pack, and for hot compresses, you can use a heating pad or a hot water bag.

• Practise good posture

Slouching puts pressure on the spine and further aggravates back pain. It is thus important to maintain good posture during pregnancy that can help reduce back pain and maintain proper alignment of the spinal cord. It is also recommended to wear a good, supporting maternity belt that provides support to the abdomen.

Fruits are loaded with crucial vitamins and minerals that our bodies need to maintain good health and vibrant, glowing skin. Our skin, being the largest external organ, requires proper nutrition to repair itself and combat damage. While factors like genetics and skin type play a role in determining skin colour, other factors like pollution, stress and hormone levels, and sun exposure also contribute to skin colour. Interestingly, including fruits rich in vitamin C in our diet can help achieve a brighter skin tone.

In this article, we explore the fruits known for their potential to promote skin whitening and provide a glowing complexion. Additionally, ensuring you have adequate health insurance coverage can provide peace of mind for your overall well-being.

Top 10 best fruits for skin whitening

Besides vitamins and minerals, fruits are also rich in antioxidants that help destroy harmful substances in the body, called free radicals, that cause dullness of the skin. Fruits can thus hydrate your skin and help to keep it glowing and healthy. So, if you’ve ever wondered, ‘which fruit is good for skin whitening,’ we’ve provided a list of fruits that are known to make skin fairer and brighter:

• Citrus fruits: Citrus fruits top the list of skin whitening fruits, as these are rich in vitamin C (a known skin whitening agent) and antioxidants, and they keep the skin hydrated. Citrus fruits like oranges, lemons, sweet limes, grapefruits, etc. can reduce melanin (pigment that gives your skin colour) expression and make skin brighter. Oranges, lemons and their peels can also be used to make an effective face mask.
• Cucumbers: Cucumbers are the second most sought-after fruit when it comes to skin whitening. They are known to effectively hydrate the skin and help make it blemish-free.
• Strawberries: Strawberries are another example of nutrient-dense fruits with a skin-brightening effect. They also have loads of vitamin C, which is a well-known skin whitening agent.
• Watermelons: In terms of hydrating the skin, watermelons are the best. They are full of vitamins and minerals and contain 92% water. Eating watermelons, particularly in the summer, helps to keep your skin glowing and bright.
• Apples: Apples are a powerful source of antioxidants and other nutrients that are needed for young and glowing skin. Eating apples daily helps to get brighter skin as well as helps resist premature skin ageing.
• Pomegranates: Pomegranate is great for all skin types. The antioxidants and nutrients found in it have anti-ageing and skin brightening properties. It can safeguard your skin from dangerous UV rays and helps to speed up skin cell rejuvenation.
• Tomatoes: The lycopene (colouring) found in tomatoes helps protect the skin from the sun’s damaging UV rays and it also brightens the skin.
• Blueberries: Blueberries are a terrific source of antioxidants that fight skin ageing and help you get brighter, even-toned skin.
• Avocados: Avocados are rich in antioxidants and good fat, both of which play important roles in making the skin look plump and brighter. They also help lessen inflammation of the skin.

Health insurance companies in India are promoting the cause of health management and providing affordable healthcare

Health insurance business in India is amidst an exciting journey. Insurance companies have moved from pure reimbursement models to covering outpatient and domiciliary treatment costs. Health insurance companies are now also taking interest in the wellness of the insured.

From Health Insurance to Health Consciousness

Insurers have begun using wearable technologies. From the number of steps you walk to the weights you lift in the gym and activities like swimming and yoga, everything is tracked through fitness apps. There are rewards to be won for the insured. For instance, insurers offer exciting discounts on renewal premium for walking more.

Insurance companies are now willing to provide health insurance to people with pre-existing illnesses, though the diseases are covered after a waiting period. The waiting period is normally 2 or 4 years for different diseases. Some have lowered the 4-year waiting period to 3 years. Those who contract any of the lifestyle diseases in future are even offered reimbursement of outpatient expenses subject to fulfilment of certain requirements.

Insurance companies have begun to engage with their customers on a regular basis to ensure that they play a positive role in their health outcomes. Insurance companies have an interest in reducing claims. If a customer is able to detect a disease early, the insurance company can save on an expensive procedure for diagnosing the same disease at a later stage. Health insurance would soon become a tool that makes the insured more health conscious.

Challenging Landscape of Health Insurance

Health insurance penetration is still low in India and those insured are largely underinsured. Private insurance companies cover insurance companies only about 3% of the population. The rest of the insured (about 28 crore people) are covered under a health insurance scheme of the government.

India is undergoing a massive urbanisation wave. It is estimated that about one crore people migrate to cities and towns every year in search of work. India’s urban population in 2011 was 37.7 crore. If urban India were a separate country, it would be the fourth largest country in the world.

The rapid urbanisation offers enormous opportunities to insurance companies, but will bring along with challenges. Continuous innovations in offerings will be required to bring more of the increasing urban population under mediclaim insurance coverage.

Elements of Evolving Health Insurance

Health insurance going ahead will look completely different and its prime elements will be:

• Customer experience:Insurance companies will have to create experiences for customers around health insurance products. Wearable devices that track the data points required by insurance companies will be a key driver of customer experience.

• Product innovation:Insurance products will evolve rapidly as it becomes increasingly important for insurance companies to provide end-to-end solutions and not just health insurance. The products will have to encompass all the stages – prevention, cure, and care.

• Customer centricity:Product development process is beginning to change. It will no longer be about a product pushed to customers. The process will shift to providing solutions to problems faced or would be faced by customers.

• Data Analytics:Analytics will become all pervading with the generation of data multiplying and insurance companies getting access to data collected from the insurance industry, government agencies, and the internet.

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Major factors to think about while buying health insurance in Mumbai

Health is a man’s only true wealth and without it, life becomes very difficult. This is especially true in a city like Mumbai, where life is so fast paced and there is also a major risk of accidents happening. It therefore becomes very important to choose the right health plan for you and your family, when you’re living in such a bustling metropolis. There are many good health insurance companies in Mumbai that you can rely on for securing your health. Here we tell you a bit more on how to go about it.

Major Factors to Consider

Choosing a health insurance plan is a big decision. The total cover amount (sum assured) and the premium are important factors to consider while deciding on your policy. The following are the other factors to consider:

·       Claim Settlement:

Insurance companies with high claim settlement ratios or a low claim pending ratio are better at handling health insurance quickly and efficiently. Choosing such a company, would be better for you, should you need to make a claim.

·       Co-payment:

Although the premium is an important factor, cheaper polices may not always offer you complete coverage, especially if it comes with a co-payment clause. Co-payment means that the policyholder will have to pay a pre-defined percentage of the claim while the insurance company will pay the rest. This is a common clause in group policies like employer-provided policies.

·       Day-care Procedures:

Day-care procedures are those that can be done without needing hospitalization (meaning within a day). Normally, to make a claim, at least 24 hours of hospitalization is required. Therefore, opting for a plan that covers maximum day-care procedures would be ideal.

·       Network Hospitals:

Insurance companies usually have a list of network hospitals at which their cashless facilities can be availed. This factor becomes especially important for those who travel a lot. The list will be different for different insurance companies. Explore the comprehensive list of hospitals in Mumbai covered by ICICI Lombard.

·       Pre/Post Hospitalisation:

Pre/Post hospitalisation expenses include those medical expenses incurred before and/or after hospitalisation. Follow up visits to the doctor, medication costs, follow-up investigations etc. are included under post hospitalisation expenses. However, this facility will cover only those expenses related to the ailment that you were being treated for.

Other Factors to Keep in Mind

Health insurance policies often include a no-claim bonus which can add to your overall sum assured if you make no claims in a year. Therefore, it is better to buy them early, when you are young and healthy. Additionally, since health insurance policies have a lifetime renewal, this can come in handy.

Another thing to keep in mind is that, even if you have a complete health insurance plan for your entire family, it is still better to have individual plans as well, especially for the older members of your family. This is because if the older ‘high risk’ members have frequent claims, it will leave other members of the family without any cover.

Finally, read the fine print carefully before choosing your health insurance policy, especially if you are buying it online. Consult an insurance agent/expert in case you need further clarifications.

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Typhoid is a bacterial infection caused by the Salmonella typhi bacterium. It spreads through the use of contaminated food and water

Typhoid fever – caused by the Salmonella typhi bacteria -- is an acute bacterial infection that usually spreads through the use of contaminated food and unclean water. Besides very high fever, typhoid can also lead to abdominal pain, loss of appetite, nausea and headache.

Generally, a proper course of treatment can allay the symptoms, ease bodily discomfort and resolve the condition entirely. However, it might result in severe, life-threatening complications – if timely medical intervention isn’t provided.

Besides Africa, Southeast Asia and South America, incidences of typhoid are widespread in India as well.

What are the common symptoms?

Generally, it takes a week or two (after the infection) for symptoms to surface. Some of the more common ones include:

• Pain in the stomach
• High fever
• Weakness
• Fatigue
• Rash
• Significant loss in appetite
• Prolonged bouts of headache
• Diarrhoea
• Constipation (in some cases)
• Confusion

While symptoms can vary in severity, the more serious ones are usually rare. However, severe complications include intestinal bleeding and perforations. This might result in sepsis, a fatal infection of the bloodstream. In this case, symptoms include vomiting, nausea and severe pain in the abdomen.

Pneumonia, pancreatitis, kidney-related infections, myocarditis (inflammation of the heart muscles), endocarditis (infection of the inner lining of the heart, generally involving the valves), meningitis (inflammation of the brain) and hallucination are some of the critical symptoms that warrant immediate hospitalization.

How is typhoid diagnosed?

Upon entering the biliary system and the bowel’s lymphatic tissues, the Salmonella typhi bacteria multiply thick and fast. Once the bacteria make their way into the intestinal tract, they can be diagnosed with the help of stool samples. If test results don’t prove to be adequately conclusive, one’s urine and blood samples will then be considered for complete diagnosis.

What are the possible causes and risk factors?

The Salmonella typhi (S. typhi) bacterium causes typhoid. Primary way of transmission being the oral-faecal route, it generally spreads through the usage of contaminated food or water. However, you can also contract this disease, should you come in direct contact with an already-infected person.

Additionally, some people may recover, yet carry the Salmonella typhi bacteria on them. These are called ‘carriers’ and can end up infecting other people.

Typhoid remains a severe threat worldwide, affecting as many as 26 million people (or more) every year.

You can be at increased risks of typhoid, should you:

• Travel to or work in countries where this bacterial infection is widespread
• Work in close proximity to somebody who has already been afflicted with the disease
• Eat food or drink water that is already contaminated

Watermelon has approximately 91% water content, offering many benefits during pregnancy. This fruit is very low in calories and contains antioxidants like lycopene and lutein, which help remove harmful substances generated in the body, called free radicals, produced during metabolic processes. Although this fruit has many health benefits, pregnancy is the time when women are cautious about their diet. This leads to the question, ‘Is watermelon good during pregnancy?’. This article looks into a few benefits of eating watermelon during pregnancy.

Health benefits of eating watermelon while pregnant

If you’ve ever wondered ‘Is watermelon good for pregnancy,’ we’re here to help. Watermelon is packed with a wide variety of vitamins (A, C and B6), antioxidants, and elements like magnesium and potassium. Magnesium, in particular, plays a role in muscle relaxation and the prevention of premature muscle contraction. Natural sugars present in watermelon help in combating morning sickness, heartburn, and dehydration. Additionally, there are health benefits associated with consuming watermelon while pregnant.

• Lowers high blood pressure (pre-eclampsia): Watermelon contains lycopene, an antioxidant that can help reduce the risk of pre-eclampsia in expecting mothers. Pre-eclampsia is a complication that can lead to issues like miscarriage or premature birth.
• Reduces the likelihood of pregnancy-related complications: Increased pregnancy hormones can make bowel movements slower. This increases the need for more fluids to support blood circulation. These changes may result in dehydration, constipation, or haemorrhoids. By consuming watermelon during pregnancy, one can fulfil their increased hydration needs.
• Alleviates morning sickness: Watermelon is soothing and refreshing with natural sugar. Drinking watermelon juice or having some slices in the morning may help alleviate symptoms of morning sickness and heartburn, commonly experienced by pregnant women.
• Reduces muscle cramps and pain: Due to fluctuating hormones, pain and muscle soreness can occur during pregnancy. Including watermelon in your diet can reduce muscle cramps and bone pain.

What minerals and vitamins does watermelon provide for pregnant women?

Watermelon, a refreshing and hydrating summer fruit, is full of essential nutrients that are beneficial during pregnancy:

• Vitamin C: Supports the immune system and maycan aid in the absorption of iron, which is crucial for preventing anaemia.
• Vitamin A: Important for the development of the baby's heart, lungs, and kidneys.
• Vitamin B6: Assists in brain development and can help alleviate morning sickness.
• Potassium: Regulates fluid balance and can support muscle contractions, reducing the risk of leg cramps.
• Magnesium: It aids in muscle relaxation and can help decrease the chances of early contractions during pregnancy.

What are the potential risks of eating watermelon while pregnant?

While watermelon is generally considered safe during pregnancy, it is crucial for women who are at risk of diabetes or have pre-existing diabetes to consult a healthcare provider or dietician before including this fruit in their diet.

Consider the following potential risks:

• Gestational Diabetes: Due to its natural sugars, excessive consumption of watermelon may contribute to elevated blood sugar levels, posing a risk for gestational diabetes.
• Gastrointestinal Issues: Overconsumption might lead to gastrointestinal discomfort, including bloating or diarrhoea, especially if consumed in large quantities.
• Food Safety: Ensure watermelon is washed thoroughly before cutting to avoid potential exposure to harmful bacteria.

How can you eat watermelon while pregnant?

Adding watermelon into your diet can be a healthy way to enjoy this nutritious fruit. Here are few ways to include them in your diet:

• Fresh Slices: Enjoy chilled slices as a refreshing snack.
• Salads: Combine with other fruits or leafy greens for a nutritious salad.
• Smoothies: Blend with yoghurt and other fruits for a hydrating smoothie.
• Juice: Fresh watermelon juice can be a hydrating beverage option.

Remember to consume in moderation and maintain a balanced diet to ensure maternal and foetal health.

Conclusion

Watermelon is a delicious, soothing and nutrient-dense fruit that may aid in alleviating pregnancy-related issues. It is a good and tasty choice for pregnant women to incorporate into their daily diet.

In addition to a balanced diet, ensuring financial security during pregnancy is equally important. Opting for health insurance plans for family can provide comprehensive coverage for maternity expenses, routine check-ups, and unforeseen medical emergencies. Securing a good health insurance policy can help expectant mothers focus on their well-being without financial stress.

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.

Kundalini awakening is a concept deeply rooted in ancient spiritual practices and philosophies. This concept involves awakening a latent spiritual force at the lowermost part of the spine, typically symbolised as a coiled serpent. This force, named Kundalini, possesses remarkable transformative abilities, ultimately leading to an elevated state of awareness, self-discovery, and spiritual enlightenment. Let’s understand what Kundalini awakening is and how to awaken Kundalini.

What is a Kundalini awakening?

A Kundalini Awakening is a profoundly transformative experience with which the latent energy known as Kundalini, situated at the base of the spine, ascends through the spinal column, impelling the awakening of different energy places, alluded to as ‘chakras,’ along its way. It improves one’s condition of consciousness, widens awareness, and cultivates a more significant association with the spiritual aspects of existence.

How do you awaken Kundalini?

Here are the steps on how to awaken Kundalini properly.

Engaging in movement techniques, such as rhythmic body shaking and uninhibited dancing, can effectively release physical and energy obstacles.

Tantric practices involve utilising the body’s energy to achieve spiritual growth and connection. Tantra can include rituals, breathwork, and meditation focusing on harnessing and directing the Kundalini energy for spiritual advancement.

Participating in different types of energy practices, like Reiki, acupuncture, or Qi Gong, can bring equilibrium and synergy to the body’s energy pathways.

Practising Pranayama, the art of regulated breathing, is pivotal in various yoga traditions. Also, precise breathing methods have the potential to stimulate and direct Kundalini energy. Hence both these practices can awaken Kundalini.

Sneezing is a natural and essential bodily function that helps expel irritants from nasal passages. However, excessive sneezing can become bothersome and may indicate underlying allergens or irritants. Although over-the-counter medications can offer relief, numerous effective home remedies are also available to ease sneezing. This article will explore various natural solutions to help you address sneezing without solely depending on pharmaceutical choices.

What makes you sneeze?

Sneezing happens when something tickles or irritates the inside of your nose, making your body react by forcing air out quickly. There are many different reasons why people sneeze:

• Dust and pollen

  Tiny airborne particles such as dust, pollen and pet fur can irritate the nasal passages, causing a sneeze.

• Allergies

  Many people suffer from allergies, such as hay fever, which can trigger sneezing as the body attempts to remove allergens from the nose.

• Strong smells

  Exposure to strong odours, such as perfumes, smoke or spicy foods, can overstimulate the nasal nerves and lead to sneezing.

• Infections

  Colds, flu, and sinus infections often cause increased mucus production and nasal irritation, making sneezing more frequent.

• Bright light (photic sneeze reflex)

  Some individuals experience sneezing when exposed to sudden bright light, a phenomenon known as the photic sneeze reflex.

• Temperature changes

  A sudden shift in temperature, such as moving from a warm environment to cold air, can stimulate the nasal lining and trigger a sneeze.

• Airborne irritants

  Pollution, strong chemicals and other airborne particles irritate the respiratory system and cause sneezing.

• Nasal congestion

  When the nasal passages get blocked due to colds, allergies or sinus issues, the body may respond by sneezing to clear them.

• Pepper and spices

  Inhaling fine particles from spices such as black pepper can irritate the nose and lead to sneezing.

• Nerve stimulation

  Certain activities, such as plucking eyebrows or touching sensitive areas of the face, can sometimes trigger sneezing due to nerve stimulation.

Home remedies to stop sneezing

Sneezing can be bothersome. In some cases, persistent sneezing may require medical attention and having health insurance plan can help cover consultations, allergy tests and treatments if needed.

If you’re looking for ways to stop sneezing with home remedies, here are some solutions you can try:

• Limit exposure to irritants: An essential and easy solution for preventing sneezing is to limit contact with normal aggravators like pollen, dust, and pet dander. By keeping your living space neat, using air purifiers, and closing windows during dusty winds, you can easily lessen your susceptibility to these triggers.
• Hand hygiene after cuddling pets: If you have allergies to specific animals, particularly those covered in fur or plumes, clean up after cuddling or petting them. Allergens can promptly move from their coats to your skin, and accidental contact with your face can set off sneezing and other hypersensitive reactions.
• Steam inhalation: Breathing in steam is a viable method for calming disturbed nasal passages and lessening sneezing. Heat some water until bubbling, then, at that point, cautiously move it into a bowl. Use a towel to cover your head; now inhale the steam, and take profound inward breaths for roughly 5-10 minutes. Consider adding a few drops of essential oils such as eucalyptus or peppermint for added advantage.
• Use honey: Consuming locally made, raw honey can help alleviate sneezing caused by seasonal allergies. The thought behind this theory is that when you consume locally produced honey, your body might get exposed to pollen. After some time, this exposure might assist your immune system by strengthening it. This, in turn, makes you less sensitive to allergens over time, prompting a decrease in sneezing.
• Black pepper concoction: Black pepper has natural anti-inflammatory properties that can assist with controlling sneezing. Mix black pepper with warm water and drink it. You can also add black pepper to your daily diet to experience its potential advantages in the long run.
• Use turmeric: This spice contains curcumin, a compound recognised for its anti-inflammatory and antioxidant characteristics. Including turmeric in your diet or adding it in warm milk can assist in mitigating sneezing triggered by allergies.
• Saline nasal rinse: Utilising a saline nasal wash can eliminate aggravations from your nasal passage, reducing sneezing and blockage. Buy a pre-made saline solution or make your own by adhering to the suggested guidelines for mixing salt and water.
• Consume ginger: This herb has natural antihistamine properties that can relieve sneezing caused by allergies. You can consume ginger in many ways, including ginger tea and culinary uses. If you don’t like the taste of ginger, you can also take a supplement.
• Drink peppermint tea: Peppermint tea boasts menthol, a natural decongestant that can effectively alleviate irritated nasal passages. A comforting cup of warm peppermint tea can offer respite from sneezing and congestion.
• Use eucalyptus oil: Eucalyptus oil is famous for clearing air passages and easing respiratory discomfort. Add a couple of drops of eucalyptus oil into a bowl of steaming water and inhale the fumes. You can also use a diffuser to experience its impact constantly over the day.

Conclusion

Sneezing might prove bothersome, yet there are better choices than depending solely on pharmaceutical remedies. Now that you know how to stop sneezing with home remedies, trying these solutions can aid in managing sneezing and easing nasal discomfort. You can find relief from sneezing by introducing minor adjustments to your lifestyle, exploring natural remedies, and even considering a health insurance policy for family that covers allergies. But do remember that individual bodies vary, so don’t underscore the importance of identifying the most effective remedies for yourself.

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.

Reducing high uric acid levels is essential for managing conditions like gout. In this article, we explore vegetable choices that can help lower uric acid, promote overall health, and prevent painful flare-ups.

A high uric acid level in the body can cause various health problems, including arthritis. When our bodies are unable to expel waste, uric acid levels rise, forming urate crystals in the joints, a condition known as gout.

Maintaining one’s health is critical. Eating a well-balanced diet rich in essential elements such as carbohydrates, proteins, omega-3 fatty acids, vitamins, and minerals is vital. People who have high uric acid levels in their blood find it difficult to make proper, nutritious food choices to include in their diet.

Here, we have listed a handful of nutritious dietary options that can help you balance your uric acid levels and answer your query about which vegetable is good for uric acid.

List of vegetables for reducing uric acid

• Fibre-rich foods

Incorporating fibre into your diet will help you manage uric acid levels significantly. A fibre-rich diet can successfully reduce uric acid levels in the body. This technique relies heavily on consuming meals comprising oats, healthy grains, and veggies like broccoli, pumpkin, and celery.

These foods are high in dietary fibre, which aids in the absorption of uric acid and the removal of any excess from the body.

Eating these fibre-rich foods actively supports the body’s natural mechanisms for maintaining balanced uric acid levels, thus improving general health.

• Tomatoes

Despite their culinary ‘vegetable’ designation, tomatoes stand out as excellent contributors to general well-being.

Tomatoes provide a double advantage due to their high vitamin C content, which reduces uric acid levels. Vitamin C is well-recognised for its antioxidant qualities and capacity to boost the immune system. Vitamin C assists in the breakdown and excretion of uric acid, limiting its build-up and eventual crystallisation in joints, which might lead to pain and disorders such as gout.

• Vegetables

Vegetables are essential in lowering and managing excessive uric acid levels. However, if you have excessive uric acid, you should proceed with caution.

Avoid vegetables such as spinach, asparagus, peas and cauliflower since they might raise uric acid levels.  

Broccoli and cucumbers, on the other hand, are fantastic foods to include in your diet. Changing your vegetable consumption can help regulate uric acid levels and improve overall health.

• Carrots

Eating carrots can be beneficial to your health if you have high uric acid levels. They are high in antioxidants, which aid in regulating enzyme synthesis. These enzymes promote uric acid amalgamation in the blood. They also help remove uric acid from the body due to their high fibre content.

• Bay leaves

Bay leaves, often used in Indian cooking, improve the flavour and aroma of any food, such as rice and dals. However, these leaves work miracles in treating a wide range of health conditions, one of which is regulating uric acid.

Bay leaves are high in vitamins C and A, and folic acid, all of which benefit one’s health. Furthermore, bay leaves can help reduce elevated uric acid levels. But do exercise caution when it comes to using bay leaves. There is an appropriate approach to process bay leaves to lower excessive uric acid levels successfully.

How can you cure uric acid permanently?

Some of the natural ways in which you can reduce uric acid levels in your blood permanently are:

•       Reducing the consumption of foods rich in purine (certain vegetables, red meat, shellfish, poultry and the like).
•       Reducing high-sugar and high-fructose foods, sugary beverages, processed foods and refined foods.
•       Keeping yourself hydrated by drinking enough water to flush out excess uric acid.
•       Reducing the consumption of alcohol.
•       Improving your intake of foods rich in fibre and Vitamin C.
•       Keeping blood sugar levels under control.
•       Managing your weight effectively.
•       Including cherries and fresh cherry juice in your regular diet.

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