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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Beat the mosquito bite

Dengue is plaguing India at an alarming rate. According to the 2016 National Vector Borne Disease Control Programme reports, India witnessed 45,490 dengue cases, and 88 deaths associated with dengue. Dengue has now been declared endemic – a disease that circulates throughout the year irrespective of season – with its prevalence in central, northern and eastern India.

Dengue Buzzes

While microbiologists have been studying the disease pattern and declare that it no longer has a season, cities across have reported a spike in occurrence during and post monsoons. This has been attributed to the proliferation of the main virus vector mosquito, Aedes aegypti, which thrives in stagnant water and damp weather. Thus, the months of August and September have continued to witness a rise in the dengue cases reported.

Dr. Om Shrivastav, an infectious disease consultant in Mumbai, said, “If there is pooling of water, there will be breeding of mosquitoes. There is a definite rise in the cases of dengue.” Another well-known physician, Dr. Sushila Kataria, Division of Internal Medicine, Medanta the Medicity, is of the opinion that the incidence of dengue has been getting worse every year, and that, this year, there will at least be a 25% hike in the number of dengue cases.

Research is being conducted to develop vaccinations against dengue; however, currently only the symptoms can be treated. The disease can be extremely painful and exhausting, and in extreme cases, may cause death of the patient. Therefore, staying protected is the best way to beat the disease.

Tips for Protection against Dengue

• Cover Right

Wear clothes that cover your body entirely, to prevent mosquito bites. Apply insect repellent to your clothes to stay safer. Use mosquito nets if required, especially for infants and elderly.

• Clean the Surroundings

Keep your house dry and clean always. Since mosquitoes lay their eggs in stagnant water, ensure that you empty water containers, buckets, etc. when not needed. Also, make sure that the plants inside and around your house or office is not over-watered and water does not stagnate in pots. Ensure that the garbage bins at home and office are always covered and are disposed timely.

• Check Doors and Windows

Make sure that windows and doors do not have cracks that allow the entry of mosquitoes. Shut doors and windows during the early morning and evening hours.

• Go Natural

The Centre for Disease Control has recommended a mixture of lemon oil and eucalyptus oil to keep mosquitoes away. Growing a tulsi plant in the house is considered yet another natural way of repelling the vector.

Despite the various precautionary measures, one may contract the disease. Since persistent high fever along with body ache, headache, etc. are the common symptoms, it is advised to seek immediate medical care in case such symptoms are observed. Remember, with right and timely medical attention, the mortality rate of dengue is as low as 1 in 100.

A comprehensive health cover can help tide over the disease with reduced financial burden. Stay protected against rising hospitalisation costs and medical bills with ICICI Lombard's health insurance policy.

Winter is the time of the year when the heart is at maximum risk. According to a research conducted at the Heart Institute at Good Samaritan Hospital, Los Angeles, the overall incidence of heart attack during winter is 26-36% higher, when compared to summer.

People with existing heart problems have a higher risk from cold weather and need to take precautions. However, even healthy individuals should take special heed during winter. Here are 5 ways in which you can protect your heart this winter:

1. Stay warm at all times

Low temperatures cause blood vessels to constrict, thereby increasing blood pressure. According to estimates of British researchers, for every 1 degree Celsius drop in the temperature, 200 more heart attacks occur daily among men and women, in the two weeks to one-month window following the fluctuation.

Instead of wearing thick clothes, opt for thin layers of breathable fabric. Layers provide insulation by trapping warm air between them.

2. Warm up before strenuous activities

When you perform strenuous activities in cold weather, it increases the load on the heart. Inhaling cold air further increases the workload.

Light exercise for 5-10 minutes to warm up, such as a slow walk, and stretching, before strenuous activities can help prevent injury and strain on your heart. Take frequent breaks and reduce the workload for added precaution.

3. Get sufficient sunlight

Our body needs sunlight to produce vitamin D. In winters, when the days are shorter, people are generally less exposed to the sun. Not getting enough sunlight is thought to play a major role in heart disease and high blood pressure.

A review article in the journal Circulation reported that people with heart disease faced 30-50% higher rates of severe cardiovascular disease or death, when sun-deprived. During the winter months, "there is a change in the ratio of daylight hours to dark hours, which changes the hormonal balance, and the hormones involved, such as cortisol, can lower the threshold for a cardiovascular event," explains Stephen P. Glasser, MD, a professor of preventive medicine at the University of Alabama.

4. Tone down the stress

Stress increases blood pressure and puts unnecessary strain on the heart. Especially during winter, when the heart is already at a higher risk, it is crucial to maintain stress levels, not just for the heart, but for your overall health as well.

The holiday season witnesses an increased indulgence in food, drink and merrymaking, which also increases the stress on the heart.

5. Spot the signs

It is always handy to know how a heart attack presents itself. Even if you are unsure about it being a heart attack, have yourself checked by a qualified physician. Effective bystander CPR, too, can be crucial in saving lives.

Healthy eating habits and staying active is the cornerstone of a healthy heart. As a precautionary measure, buy health insurance to financially safeguard your health.

As the English poet, Leigh Hunt once said, "The groundwork of all happiness is health."

When aiming to develop a strong and balanced lower body, it’s important not to underestimate the significance of the hamstring muscle group. Despite this, hamstrings are frequently disregarded during workouts. These muscles are pivotal in stabilising the hips, supporting the knees, and boosting overall athletic capabilities. You can efficiently focus on these muscles and reinforce them by integrating appropriate exercises into your workout regimen. Within this guide, we will delve into the optimal exercises for hamstrings that will set you on the path to attaining a well-proportioned and sculpted lower body.

Best exercises for hamstrings

Some exercises that work the hamstrings include:

1. Deadlift
2. Glute-ham raise
3. Bulgarian split squats
4. Hamstring curls
5. Stretches

1.    Deadlift

While the deadlift is known as a full-body exercise, it’s worth noting that it heavily involves working out the hamstrings, especially during the initial phase of the lift.

To perform the deadlift:

• Stand with your feet hip-width apart, with the barbell over your midfoot.
• Use an overhand or mixed grip to bend your hips and knees while gripping the barbell.
• Keeping your back flat, drive through your heels, and lift the barbell while extending your hips and knees.
• Lower the barbell back to the ground with control.

2.    Glute-ham raise

The glute-ham raise is a lesser-known yet incredible exercise among the effective workouts for hamstrings development. This movement targets the hamstrings and engages the glutes and lower back.

To perform the glute-ham raise:

• Secure your feet under the footpads of a glute-ham raise machine or have a partner hold them down.
• Maintain a straight posture and lower your body until your torso becomes parallel to the ground.
• Use your hamstrings to return to the beginning position.

3.    Bulgarian split squats

While primarily known as a quadriceps exercise, the Bulgarian split squat can also engage the hamstrings effectively, especially when performed with an emphasis on the lowering phase.

To perform the Bulgarian split squat:

• Stand a few steps away from a bench or elevated surface, with your back to it.
• Place one foot behind you on the bench and the other in front.
• Step into a lunge, keeping your front knee from extending past your toes.

4.    Hamstring curls

You can use the hamstring curl machine for this exercise. This machine directly targets the hamstrings. It’s a great option for fully engaging these muscles without involving other muscle groups.

To perform the hamstring curl:

• Adjust the machine’s settings to fit your body; ensure your ankles remain aligned with the machine’s axis.
• Secure yourself in the machine and grip the handles if available.
• Curl your legs upward, contracting your hamstrings fully.
• Slowly lower the weight back and reach your starting position.

Understanding cancer insurance and the need for it

Cancer insurance is a comprehensive cover that takes care of your expenses on being diagnosed with the killer disease. Your normal health insurance cover may cover cancer but the indemnity is only for hospitalisation expenses. Treating cancer involves a whole lot of non-hospitalisation expenses which are not covered under the usual health insurance policies.

Most cancer insurance plans offer a lump sum amount to the insured who is diagnosed with cancer. This payment helps the insured protect his savings.

The insured can spend the money however the insured chooses to. Out of pocket medical expenses are large for treatment of cancer. Also, the cancer stricken patient may have to consult a specialist outside of the network of specialists listed by your insurer. The normal health insurance does not cover many medical and non-medical costs, like experimental cancer treatment and travel & lodging.

Cancer in India

According to a report on ‘Risk of Cancer Development in India’ published on the website of US-government funded National Centre for Biotechnology Information, the probability of developing cancer of all sites from 35-64 years is 4.67% in males and 6.55% in females, while the life time risk is 9.05% and 10.2% respectively.

The greater risk in females was mainly due to the high risk of development of cancer of the uterine cervix and breast. When the age-period of 35 to 70+ years was considered, the probability percentage was found to be 9.94 % in males and 11.6% in females.

According to these estimates 1 in 10 men and 1 in 8 women in India can expect to develop cancer of any form, in their life span after the age of 35 years. The probability of developing tobacco related cancers from 35 to 70+ years was found to be 4.75% and 2.16% in males and females respectively.

Not just that, when you buy a health insurance plan, you are assured of optimal treatment when you need it the most to ensure a speedy recovery. Therefore, selecting a good insurance cover which takes care of your finances and health is extremely crucial. With the multitude of insurance providers offering health insurance policies, selecting the correct policy can at times get daunting. The internet in this case can be a savior and provide reliable information which should make selecting your policy easier.

Several insurance providers offer their health insurance which is a new trend over the conventional mode of operating through an insurance agent. Through the internet, you can get access to several quotes and know the extent of coverage offered by the health insurance plan. The coverage for different health insurance plans in India differs from one insurer to the next and by going online, you can easily compare and decide which health insurance cover best matches your needs. By comparing quotes, you will also get a fair idea about the premium payable for each insurance cover on offer. This way, you may select a health insurance cover without going over your budget. As all this information is always available online, accessing it at your convenience whether at home, at work or while travelling.

You can also purchase your health insurance policy online, anytime, anywhere through a computing device with internet access. This saves the hassle of setting aside time from your busy schedule to meet with insurance agents or travel to the insurance office to get quotes and process the requisite paperwork. Some insurance companies offering health insurance plans which may not require persons below a certain age to undergo a medical test before policy purchase. So, you need to look for insurance policies with medical test exemption so that buying online is all the more convenient.

With the constant increase in the cost of medical facilities, securing even the basic medical treatment for the ailing is now beyond the common man. This awareness and inflation is changing the face of health insurance in India and has promoted both urban and rural buyers to purchase a health policy plan.

When a person is young, health is generally not a concern. It is however, important to consider the possible deterioration of health later with advancing age, increasing stress and reduced immunity among several other factors. Not just that, a medical exigency can arise anytime, whether you are young or old. It is thus important to purchase health insurance cover. Some health insurance providers offer family medical insurance covers. It is essential to check who the health policy covers i.e. limit on the number of adults and children to be included in the policy, before you sign the dotted line. Such health plans are extremely beneficial as you can optimally insure your loved ones with the payment of a single premium.

A health insurance policy typically offers coverage for the expenditure made towards medical treatment. A comprehensive health insurance offers enhanced coverage apart from surgeries and several insurance providers offer coverage for doctor’s visits, cost of medication and several in-patient and out-patient expenses. Some health insurance providers have special plans which cover life-threatening or critical illnesses, the treatment for which usually runs into huge hospital bills. Thus, your health policy plan keeps you prepared in the wake of any medical emergency and relieves you of the stress of arranging for finances at the eleventh hour.

The coverage offered by health insurance providers varies greatly. It is for this reason that a thorough research is important with regards to extent of coverage. Several insurance providers have a tie-up with hospitals where the insured can avail of treatment. ICICI Lombard has a tie-up with over 4000 premium health care providers where the insured can avail of cashless hospitalisation. You also need to take into consideration the amount paid for insurance premium and co-payments or deductibles, if any. All this will help you select a good health insurance plan which offers adequate medical coverage and also accommodates your budget perfectly.

ICICI Lombard Health Insurance Cashless Network Hospital List in Jhansi, 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 Jaunpur, 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 Hathras, Uttar Pradesh

Explore ICICI Lombard’s health insurance policies :

• 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 Hardoi, 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 Hapur, Uttar Pradesh

Explore ICICI Lombard’s health insurance policies :

• 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 Greater Noida, 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 Gonda, 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 Ghaziabad, 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 Firozabad, Uttar Pradesh

Explore ICICI Lombard’s health insurance policies :

• 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.

When choosing a health insurance policy for a family, understanding the finer details, such as sub-limits, is crucial. Many policyholders overlook this aspect, only to face financial surprises during claims. Sub-limits in health insurance can impact how much you are reimbursed for specific medical expenses. In this blog, we will explore what sub-limits are, their importance, types, and how they affect a health insurance plan.

What is a sub-limit?

Sub-limit is a monetary cap that your insurer places on your health insurance claim. It limits the reimbursement amount for certain treatments, room rent, or procedures, even if the total sum insured is higher.

Let us assume-  due to medical complications, my wife's medical bill went up to Rs. 1 lakh. Our health policy had a sub-limit of Rs. 40,000 for the treatment of kidney stones. Hence, I will have to shell out the balance of Rs. 60,000 from my pocket.

What is the sub-limit in health insurance?

In a health insurance for family, a sub-limit determines how much the insurer will pay for particular medical expenses. It applies to hospital room rent, doctor's consultation charges, ambulance charges and a few common medical procedures as well.

Importance of sub-limit in a health insurance plan

Understanding sub-limits in a health insurance plan helps in:

1. Managing out-of-pocket expenses: Policies with lower sub-limits may require you to pay more from your own pocket.
2. Choosing the right coverage: Helps in selecting a health insurance policy with flexible or no sub-limits for better financial security.
3. Optimising premium costs: Policies with sub-limits tend to have lower premiums, making them cost-effective.
4. Avoiding claim disputes: Knowing sub-limits beforehand ensures smooth claim settlement without unexpected deductions.

Types of sub-limits in health insurance

Sub-limits can vary based on the insurer and the policy. The common types include:

1. Room Rent Capping

• Limits the coverage on hospital room charges per day.
• If you exceed the limit, the extra cost is borne by you.
• Example: A sub-limit of ₹4,000 per day on room rent means you pay extra if you choose a more expensive room.

2. Treatment-Based Sub-Limit

• A cap on specific medical procedures like cataract surgery, hernia surgery, or joint replacement.
• Example: A ₹40,000 sub-limit for cataract surgery means you will bear the additional cost if the surgery expenses exceed this amount.

3. Post-Hospitalisation & Pre-Hospitalisation Expense Sub-Limit

• Limits reimbursement for diagnostic tests, doctor consultations, and follow-ups before and after hospitalisation.
• Example: If your health insurance plan covers pre-hospitalisation expenses up to ₹10,000 but your actual expenses are ₹15,000, you pay the ₹5,000 difference.

4. Specific Disease or Illness Sub-Limit

• Some policies have sub-limits on high-cost treatments like kidney dialysis, chemotherapy, or heart surgeries.
• Example: A health insurance policy for a family may cover heart surgery up to ₹2 lakhs, even if the total sum insured is ₹10 lakhs.

5. Ambulance Charges Sub-Limit

• Caps on ambulance expenses for hospitalisation.
• Example: A sub-limit of ₹2,000 on ambulance costs means you’ll pay extra if the actual charge is ₹3,000.

Conclusion

Now that you know about sub-limits on insurance policies, you are ready to take a look at your own health insurance. Firstly, enquire about the sub-limit clause in your existing health policy. In case you feel that your coverage isn't adequate, as a next step, opt for upgrading the Sum Insured. When choosing a health insurance policy for a family, consider whether you prefer a lower premium with sub-limits or a comprehensive plan without restrictions. Remember to read the policy fine print and look for co-payment and other restrictive options. Lastly, go through the list of exclusions before selecting a policy that best suits your needs and finances.

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.

Mediclaim will insure you and your family of medical coverage for all members as well under a separate policy.

With the advent of new technology, the medical and health sector has seen tremendous growth. There are new drugs to fight illnesses that were initially considered incurable. However, the cost of these drugs is not something that you can keep paying for too long without draining your savings. Even the cost of normal healthcare has increased in keeping with the upwardly mobile economy. For a middle class family, a medical emergency could mean a drain on their savings. Therefore, it is only health insurance that can assure you of proper medical care in emergencies.

In a health insurance scheme, a person of a certain age can get coverage of a fixed amount of medical expenses per annum by paying a premium annually. With health insurance therefore, you can insure yourself of proper treatment in a reputed hospital.

In addition to the basic benefits inbuilt in a health insurance, there are other features and coverage in many of the policies offered by different companies.

• Family floater plans:

Under such plans you pay slightly higher premium to cover up to 4 members of the family under the same plan. It provides the flexibility of choosing a cover for the entire family. If one member of the family is hospitalised and money is needed for his treatment out of the assured sum, the balance money is available for other members. In the family floater scheme, you will get proper medical care for the whole family.

• Hospitalisation cash benefit:
  Under this clause, for every completed day of hospitaslisation the insured gets cash benefits. This compensates to a large extent for the expenses incurred for hospitalisation and loss of earnings for staying away from work.
• Pre hospitalisation and post hospitalisation benefits:
  There are some mediclaim policies which provide coverage for diagnostic and medicinal charges 60-90 days prior to hospitaslisation. Similarly, after discharge from the hospital, expenses related to check up and medicines are reimbursed for a specified period.
• Cashless facility:
  Under this facility you are not required to pay the bills to the hospital put of your own savings. There is direct settlement with the hospital. The payment of hospital charges is done by a Third Party Administrator (TPA) which in turn settles the reimbursement with the insurance company. This arrangement is done for a network of hospitals. You can get proper treatment in any of these hospitals under the cashless facility.
  
  A good policy assures you of many benefits that you can avail of at present or in the future. Invest in one now to save yourself troubles in the near future.