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  • List of Cashless Network Hospitals in Bijnor

    by icicilombard 002 | Oct 26, 2023

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

    Explore ICICI Lombard’s health insurance plans :

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

  • List of Cashless Network Hospitals in Bhadohi

    by icicilombard 002 | Oct 26, 2023

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

    Explore ICICI Lombard’s health insurance policies :

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

  • List of Cashless Network Hospitals in Bareilly

    by icicilombard 002 | Oct 26, 2023

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

    Explore ICICI Lombard’s health insurance plans :

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

  • List of Cashless Network Hospitals in Baraut

    by icicilombard 002 | Oct 26, 2023

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

    Explore ICICI Lombard’s health insurance plans :

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

  • List of Cashless Network Hospitals in Barabanki

    by icicilombard 002 | Oct 26, 2023

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

    Explore ICICI Lombard’s health insurance plans :

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

  • List of Cashless Network Hospitals in Bara

    by icicilombard 002 | Oct 26, 2023

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

    Explore ICICI Lombard’s health insurance plans :

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

  • List of Cashless Network Hospitals in Ballia

    by icicilombard 002 | Oct 26, 2023

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

    Explore ICICI Lombard’s health insurance policies :

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

  • List of Cashless Network Hospitals in Baghpat

    by icicilombard 002 | Oct 26, 2023

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

    Explore ICICI Lombard’s health insurance plans :

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

  • 5 Easy Ways to Get Rid of Mosquitoes, the Natural Way

    by iciclombard 01 | Oct 25, 2023

    Getting rid of mosquitoes is easier than you think

    It’s that time of the year when the war with mosquitoes is about to begin. Mosquitoes might be tiny, but they can cause severe damage - dengue, malaria and several other dangerous diseases. Irritation and itching is a common nuisance and a good night’s sleep becomes uncommon, thanks to these irksome creatures. Using store-bought mosquito repellents and coils isn’t too healthy either.

    Mosquitoes don’t attack random targets, they find specific ones depending upon odour and the amount of carbon dioxide breathed out. This list of natural and easy ways to get rid of mosquitoes will mask your odour so that you are left alone.

    Neem and Oil mixture

    Neem has several benefits and here’s another one – it’s an excellent mosquito repellent. Neem is anti-bacterial, anti-viral as well as anti-fungal. This natural herb has germicide and pesticide properties and is effective in keeping the pesky mosquitoes away. Neem can be mixed with either coconut oil or lavender oil in equal parts. This neem and oil mixture can be applied to your skin.

    Tulsi

    Tulsi is another popular herb to protect yourself against nasty mosquito bites. The medicinal properties of tulsi are well known and a tulsi plant is often found in homes. The leaves are already used in tea, and now you can use them against mosquitoes. The mere presence of a tulsi plant near the windows and door will keep mosquitoes from entering your house.

    Garlic Spray
    Forget about mosquito repellent sprays because we have a better one – a garlic spray! The strong smell of garlic is disliked not only by humans but also by mosquitoes. In fact, garlic is highly effective in keeping mosquitoes away. Crush garlic and boil it in water: the resultant mixture can be sprayed in your house to make it a safe haven away from mosquitoes.

  • The Indian Surrogacy Market Increases as Demand Rises

    by iciclombard 01 | Oct 25, 2023

    The demand of Indian surrogates in the Surrogacy market is on an incline as the Indian surrogacy industry sees a steady rise in number of British nationals preferring Indian women to bear their child.

    In a recent estimation there are at present nearly 1,000 unregulated fertility clinics in India, out which quite a few are helping Britons in becoming parents.

    Owing to the fact that commercial surrogacy is illegal in the United Kingdom, the business seems to be quite lucrative as couples and single parents pay at an average 25,000 pounds a visit to have a child in India.

    It’s a general consensus among experts that for the Indian surrogacy market Britain is the largest single source of people, who opt for becoming parents through surrogacy, and an estimated 2,000 births last year, through surrogacy in the country validates the fact.

    The need for regulations for the industry which Indian officials believe to be worth almost 1.5 billion pounds a year, seems necessary, as Indian women are paid upto 6,000 pounds to donate their eggs and carry the babies, which is banned in the United Kingdom, hence the inflow of British visitors has increased manifold over the years.

  • ICICI Lombard Health Insurance Record 35% Growth in Jammu and Kashmir

    by Almog Ramrajkar | Oct 25, 2023

    The Jammu & Kashmir government group medical insurance scheme, which is managed by ICICI Lombard, has witnessed a 35% growth since its inception in 2014. The number of employees enrolled under the scheme went up from 18,102 employees in 2014 to 24,356 in January 2017. The company had settled over 6000 claims during this period. The health insurance scheme has significantly increased the penetration of health insurance among the state employees.

    The health insurance policy covers medical expenses up to ₹5 lakh for employees and their families including parents, children, spouse, and in-laws. In 2016, parents and in-laws accounted for 44% of the total claims settled and were the biggest beneficiaries of the scheme, followed by spouses with 29% of claims. In terms of age, 40% of claims were settled in the age group of 56-75 years followed by 32% in the 36-55 year age group.

    Since the inception of the scheme, employees from different state and autonomous bodies including the Shrine Board, Sher-e-Kashmir University, and Shri Mata Vaishno Devi University have been enrolled in the scheme. The scheme offers several key benefits including treatment of all medical or surgical care requiring minimum 24 hours hospitalisation, coverage up to ₹5 lakh on a family floater basis, day care procedures, and cashless treatment within or outside Jammu & Kashmir.

  • Secure Your Health and Finances with the Right Health Insurance Policy

    by Almog Ramrajkar | Oct 25, 2023

    A lapse in health due to such a medical condition calls for immediate and quality medical care. However, with the rise in inflation, singlehandedly arranging for finances for payment of treatment bills is likely to affect your savings.

    All such financially stressful situations can be easily tackled if you are insured with a correct health care insurance policy. Your health insurance policy is sure to act as a saving in the future when faced with a sudden medical emergency. It is thus essential to carefully buy the correct health care insurance policy.

    It is important to review different policy quotes before signing on the dotted line of a particular health care insurance policy. With the advancement in technology and the widespread availability of the internet, it is now possible to get complete information on various quotes from the comforts of your home. A few clicks of the mouse is all that is required to generate reliable information that will surely help you select a health insurance policy that not only fits your requirements but also offers quality health care facilities.

    Insurance companies in India are aware of the varied needs of individuals and offer health insurance plans that offer sufficient medical coverage. Some health insurance policies also have a flexible sum insured that allow you to set the limit on the total sum insured and enjoy a variety of policy benefits during a medical emergency.

    Policy for individual health insurance may offer coverage against medical conditions arising due to different types of accidents. Some policies offer features that offer numerous financial and medical benefits to individuals suffering from a critical illness. Such type of a policy is sure to help the family of the ailing individual to a great extent as the monetary assistance will prevent loss of finances during treatment and recovery.

    When choosing to insure the health of your entire family, you may select a policy plan that offers a large sum insured. Also, the policy must offer flexibility for the usage of the sum insured i.e. in case of a medical emergency this sum insured can be either used completely by one family member or can be shared equally by family members mentioned in the policy plan. This type of a comprehensive policy must also offer flexibility to include additional covers in the policy plan to increase the coverage and benefits offered.

    Thus, careful consideration of these essential features will surely help you select a health insurance plan and also cushion your finances during a medical emergency.

     

    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. This article is brought to you by ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation.

  • The IRDAI Wants Insurers to Speed up Claims Process

    by Almog Ramrajkar | Oct 25, 2023

    The Insurance Regulatory and Development Authority of India (IRDAI) had on 29th September 2011 issued an order on how to deal with delayed intimation of claims and delayed submission of documents by claimants.

    They had issued a circular informing insurance companies that they had been receiving many complaints of claims being rejected because of a delay in intimation and submission of documents. They asked insurers to not deny claims on mere technical grounds, particularly if the delay was due to an unavoidable circumstance.

    The circular stated that, “The current contractual obligation imposing the condition that claims shall be intimated to the insurer with prescribed document within a specified time period is necessary for insurers for effecting various post claim activities like investigation, loss assessment, provisioning and claim settlement. However, this condition should not prevent settlement of various claims, particularly when the delay in intimation or submission of documents is due to unavoidable circumstances.”

    The IRDAI further asked insurers to reject insurance claims only on the basis of sound logic or for extremely valid reasons. Insurers are to find a sound mechanism to deal with claims that are submitted after the specified time period.

    “The insurers should treat such claims on ‘merit’ and ‘good spirit’ of the clause, with ‘utmost care’ and ‘caution’, without compromising on bad claims.” IRDAI said.

    “Rejection of claims merely on technical grounds and mechanical fashion will result in policy holders losing confidence in the insurance industry, giving rise to excessive litigation.” it added.

  • Only 30% Indians Have a Mediclaim Policy - NATHEALTH

    by Almog Ramrajkar | Oct 25, 2023

    A report published this month by NATHEALTH, has underlined the lack of awareness and penetration of Health insurance policies in the country. NATHEALTH, a unique health forum created by leading insurers and diagnostic service providers, strives to enhance the accessibility and quality of healthcare facilities in India.

    The white paper named 'Aarogya Bharat 2015' has stated that 70% of Indians have not opted for a health insurance cover till date. It also stated that India falls short of the global healthcare benchmark by approximately by two million beds!

    Karan Singh, head of Bain's Healthcare Practice in Asia-Pacific, co-author of the above report, said, "Increased investment in healthcare would create a 'win-win' scenario by increasing the number of years that Indians can be productive and healthy, thereby fueling a continuous cycle of economic growth. Fewer sick days translates to increased productivity, higher employment and an estimated 15 million to 20 million additional jobs in the country by 2025."

    NATHEALTH, in its report, has recommended more public spending for healthcare (up to 2.5% to 3% of India's GDP). It has also suggested that more funds be earmarked by the Government for providing a healthier future to the masses. The Government health policy for the next ten years needs to encompass issues like prevention of diseases, ample availability of mass screenings and easy accessibility of primary healthcare, among others.

  • List of Cashless Network Hospitals in Azamgarh

    by icicilombard 002 | Oct 25, 2023

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

    Explore ICICI Lombard’s health insurance plans :

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

  • List of Cashless Network Hospitals in Auraiya

    by icicilombard 002 | Oct 25, 2023

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

    Explore ICICI Lombard’s health insurance plans :

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

  • List of Cashless Network Hospitals in Amroha

    by icicilombard 002 | Oct 25, 2023

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

    Explore ICICI Lombard’s health insurance plans :

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

  • List of Cashless Network Hospitals in Ambedkar Nagar

    by icicilombard 002 | Oct 25, 2023

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

    Explore ICICI Lombard’s health insurance plans :

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

  • Understanding Grace Period in Health Insurance: Complete Guide

    by iciclombard 01 | Oct 25, 2023

    In medical insurance, grace period is an extension provided to pay your policy premium. It is typically a few days after the policy renewal due date.

    Here, we will elaborate on what grace period is in health insurance and how it works.

    What is grace period in health insurance?

    Your medical/health insurance grace period is the extra time you get if you missed paying your renewal premium by the due date.

    Failure to make the payment even after the grace period can result in your mediclaim policy cancellation or claim denial (if the claim is made after the renewal date). Most health insurance plans come offer a grace period of 15-30 days.

    What is grace period?

    A grace period grants you extra time to pay your medical insurance premium in case you aren’t capable of making the payment within the due date owing to an unforeseen situation.

    How does grace period in health insurance work?

    Many insurers provide a grace period of 15 days for the payment of health insurance renewal premiums. However, there are also different insurance companies that provide a grace period of 30 days.

    The period of grace duration can vary depending on the insurer and the sort of healthcare coverage you purchase. Furthermore, it isn’t mandatory for each insurance provider to offer the advantage of a grace period.

     During this time:

    • Your policy remains technically in force.
    • You can make the payment without additional paperwork.
    • If you fail to pay by the end of the grace period, the policy lapses and all benefits, including waiting periods and accumulated bonuses, may be lost.

    Therefore, talking to your insurer and clarifying doubts is better than losing out on any benefits because of being in the dark. Read the fine print of your policy wording to see if a grace period is offered. The length of this period would also be mentioned in the policy wording.

    Features of grace period in health insurance

    Here are some key features that define how the grace period works:

    • Duration: Generally ranges between 15 to 30 days, depending on the insurer.
    • Policy continuity: If the premium is paid within this period, the policy continues without any breaks.
    • No medical test required: You don't usually need to undergo a new medical check-up for renewal during the grace period.
    • Premium amount remains the same: The payable premium during the grace period does not change.
    • Varies by plan: Some health insurance plans may have specific grace period terms.

    Benefits of grace period in health insurance

    The grace period isn’t just a technical detail—it offers real, tangible benefits:

    • Prevents policy lapse: Gives you time to renew and avoid policy termination.
    • Ensures continuity of coverage: Especially critical for senior citizen health insurance, where medical coverage interruptions can be life-threatening.
    • Retains waiting period progress: If you’re in the middle of a waiting period for a particular illness, timely renewal through the grace period ensures that the count continues.
    • Avoids the hassle of reapplication: Lapsed policies may require a fresh application, medical tests and higher premiums.

    Are grace periods and waiting periods the same in health insurance?

    No, the grace period for your health insurance is not the same as the waiting period. Waiting period denotes a fixed length of time after policy issuance, during which you cannot raise a health insurance claim for treatment. This is usually 30 days. However, this applies only to planned medical treatments. In case of accidental/emergency treatment, you can raise a claim with your insurer even during the waiting period.

    The grace period, on the other hand, allows you to pay your health insurance renewal fee after the due date has passed. For example, if your health insurance policy renewal payment is due on January 1, 2022, you can pay it until January 31, 2022, if you have a 30-day grace period. If you do not pay by the stipulated date, your insurance will lapse, and your insurer may start a fresh policy issuance process with a health check-up if required.

    Conclusion

    Late payments on your health insurance premiums, as well as failing to renew your coverage during the grace period, may be inconvenient and costly. Claims may not be processed during this period, and you lose the continuity benefits.

    If you have any pre-existing clinical conditions, purchasing a new healthcare plan will be difficult, and you will have to restart the waiting period.

    So, pay your health insurance policy renewal premium on time to enjoy continuing coverage advantages and prevent jeopardizing them. Even if there is a grace period, do not postpone payment unless there is an emergency.


    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.

  • List of Cashless Network Hospitals in Aligarh

    by icicilombard 002 | Oct 25, 2023

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

    Explore ICICI Lombard’s health insurance plans :

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

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