ICICI Lombard Health Insurance Cashless Network Hospital List in Sivakasi, Tamil Nadu

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.

Understanding the 'Floater Benefit'

Mr. Mehra and Mr. Singh, both in their early forties, had opted for health insurance plans. They had a similar family structure - a family of three that included a teenage kid. While Mr. Singh opted for a health plan with floater cover, Mr. Mehra opted for an individual plan. Let's take a glance at what these two had to face:

As seen from above, the floater plan turned out to be more beneficial than the individual health plan.

Key Benefits of Family Floater Health Insurance

Mentioned here are a few key benefits of availing such a plan:

More Coverage Amount

Each family member has access to the shared pool of the sum insured, thereby enjoying an enhanced coverage individually. For example, if an individual insurance would provide a family member an insurance coverage up to ₹2 lakh, a family floater policy covering a family of four will be giving a coverage of ₹8 lakh.

Lesser Premium

You need to pay lesser insurance premium for Family Health Insurance as compared to Individual Plans.

Tax Benefits

Like other health plans, a family floater plan too lets you can avail tax deduction on the insurance premium paid u/s Sec.80D of Income Tax Act, 1961.

Easy Renewability

You can avoid the hassle of renewing multiple policies if you have one common plan like the family floater.

Continuous Coverage

Individual medical insurance generally expires on death of the insured. Family health insurance plans offer coverage against medical expenses even if a particular plan member passes away.

There is no doubt that health insurance plans with a floater option has been gaining popularity. However, choose a pragmatic approach while analyzing your needs and select a health plan that offers maximum risk coverage at an optimum premium. This will ensure that you are optimally covered to handle any medical emergencies that life may throw at you or your family members.

ICICI Lombard Health Insurance Cashless Network Hospital List in Sivaganga, Tamil Nadu

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 Salem, Tamil Nadu

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.

The Government of India has decided to put 42 non-scheduled anti-cancer drugs under price-control for affordable cancer care in the country by capping trade margins at 30% on these drugs. The move is expected to reduce their retail prices by 85 percent, covering 72 formulations and 355 pharmaceutical brands across the country.

The decision to bring these 42 non-scheduled cancer-curing drugs under price control through trade margin rationalization was approved by the National Pharmaceutical Pricing Authority (NPPA), under Para 19 of the Drugs Prices Control Order of 2013. As per the data available with NPPA, the 85% reduction in the MRP of these drugs will entail a minimum savings of ₹105 crores to the consumers.

“Currently, there are 57 anti-cancer drugs already under the price control as scheduled formulations. Now, additional 42 non-scheduled anti-cancer medicines have been selected for price regulations by restricting trade margins on the selling price up to 30%,” the NPPA notification said.

“These would cover 72 formulations and 355 brands as per the data available. More data is being collected from hospitals and drug manufacturers to finalize the list,” it added. The NPPA has asked the manufacturers to recalculate the prices and submit more details within next seven days. The revised prices can come it effect from March 8, 2019.

The chairman of NPPA, Shubhra Singh believed that this move by the government can be a significant step towards its attempt to provide affordable healthcare for cancer treatment in India. Presently, there are over 1.5 million cancer patients in the country, with many of them quitting the treatment mid-way owing to the high cost of drugs, expensive treatment charges and lack of health insurance.

ICICI Lombard Health Insurance Cashless Network Hospital List in Rasipuram, Tamil Nadu

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 Ramnad, Tamil Nadu

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.

Read the following points before zeroing-in on an Accident Insurance policy

Weighing the pros and cons before making a long-term financial commitment is always a good idea. One such decision is to invest in an accident insurance policy.

Why Accident Insurance

Human life is full of uncertainties. Besides being emotionally draining, an accidental death of a loved one also has a direct bearing on the family's finances. A permanent disability caused by accident can deprive a person from earning a livelihood.

What is Accident Insurance Policy

Accident insurance policy is a type of health insurance policy that secures your finances from losses arising out of accidental death or permanent total disablement caused by an accident. Such a policy enables you to safeguard your family members from financial uncertainties arising from a mishap.

What factors to Consider While Buying Accident Insurance

Various insurers offer accident insurance policies. In order to choose the right policy for you, consider the following factors:

Risks Covered

Understanding the insured risks is important while buying an accident insurance policy. You might consider the following questions before purchasing. What are the risks covered by the plan you opt for? Are these risks applicable to you or your family? Uncertainties that are not covered by the policy, are these insurable under an add-on cover?

Affordability

The premium for an accident insurance policy is based on the policy duration and the sum assured. As per your budget, you can choose the term of the policy and opt for a suitable sum insured. You may also avail discounts by choosing a policy for a longer term than the minimum one-year duration. As your affordability and the scope of risks changes, you may want to revise your sum insured. Make sure you ask the right questions to know policy details.

Claim Settlement ratio

Choose a company with a healthy claim-settlement ratio. Anything above 95% is considered a healthy ratio. Many factors affect the claim-settlement ratio of a company, such as cases of claims that are repudiated due to many reasons. You may find out about the company's performance through reviews and survey statistics.

Ease of claim settlement and various channels for claim settlement

Claims can be settled over the telephone or by intimating the company in writing. Your company must guide you through the procedure of claim settlement. Know of the maximum duration for settlement of a claim. There may be exceptions in certain cases; enquire about these exceptions.

Redressal mechanism

You must also know of the various channels at your disposal in case of any grievances. Insurance Regulation and Development Authority of India, IRDAI, is the insurance regulator in the country and all grievances can be routed to it.

The buyer is responsible for the contract he signs. He must be vigilant about the policy before signing the documents, during the policy term, and at the time of claims as well.

One such accident insurance policy is the Personal Protect insurance. This can provide a beneficial cover for a wide range of accident related losses. To find out more on what this personal accident insurance covers

ICICI Lombard Health Insurance Cashless Network Hospital List in Ramanathapuram, Tamil Nadu

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 Pudukkottai, Tamil Nadu

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 Pollachi, Tamil Nadu

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 Periyakulam, Tamil Nadu

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 Perambalur, Tamil Nadu

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.

Many people buy health insurance only to cover their hospitalisation cost. However, you must also consider other expenses when opting for a health cover.

Out of Pocket Expenses

Hospitalisation incurs several expenses that are outside the scope of hospital bills. There are certain non-admissible expenses like documentation charges, establishment charges, AC charges, attendant charges and many more, which the insurer doesn’t reimburse.

Apart from these, there are other expenses related to eatables, dietary supplements and commuting of family members and relatives. Some policies even have a restriction of a certain percentage to be paid by the insurer and the remaining by the person insured from his own pocket.

Daily Hospital Cash Plans: How They Work?

Complete health insurance plans operate in a different manner than your regular Mediclaim plans. In a DHC plan, you get the reimbursement based on the number of days spent in the hospital irrespective of the hospitalisation expense. For instance, if someone spends 5 days in a hospital and his hospitalisation expense is ₹ 10,000 with a daily cash benefit of ₹ 1,000. Then, he will get both the ₹ 10,000 cover for medical expenses and ₹ 5,000 for 5 days spent in the hospital.

The amount of daily expense varies with the sum insured. For instance, ICICI Lombard offers daily hospital cash on hospitalisation for a minimum period of 3 days and subject to a maximum of 10 consecutive days in the following manner:

You can also claim your Mediclaim and DHC plans simultaneously. The actual pay-out in a DHC plan is also subjected to the nature of hospitalisation, and someone who is admitted in an ICU or had to undergo a major surgery is likely to get higher pay-outs which will further depend on the policy provider.

World Mosquito Day is observed on 20th August every year to build awareness on various diseases transmitted by mosquitoes. The day is marked to honour Sir Ronald Ross, a British doctor, who first discovered in 1897 that female Anopheles mosquitoes spread malaria between humans. Since then, humankind has seen radical changes in the fight against malaria, dengue and other mosquito-borne diseases.

Mosquito-borne diseases affect about 700 million people worldwide every year, leading to over a million deaths*. Awareness around symptoms and preventive measures is the need of the hour. How much do you know about the two most common mosquito-borne illnesses – malaria and dengue? Let’s take a look at their symptoms, diagnosis, treatment, and prevention measures.

What is malaria?

A potentially life-threatening disease, malaria is transmitted via the bite of a female Anopheles mosquito carrying the malarial parasite - Plasmodium. Once the parasite reaches your bloodstream, it moves into the liver to mature, post which it infects red blood cells. The parasite then multiplies, making the red cells burst open.

What are the symptoms of malaria?

If a mosquito infected by malaria bites you, symptoms will show up within 10 days to 4 weeks. Symptoms include –

• High fever and chills
• Headache
• Nausea and vomiting
• Profuse sweating
• Stomach pain and diarrhoea
• Muscle pain
• Coma
  
  

How is malaria diagnosed and treated?

If you experience the above symptoms, your doctor may prescribe blood tests to check for malaria. If the diagnosis is positive, you’ll then be promptly required to take anti-malarial medication. Your malaria treatment can be at home or in the hospital, based on the degree of symptoms. It is crucial to complete the entire course of medicines so that the disease does not appear again, with even worse symptoms. If the symptoms are severe, such as persistent fever, continuous vomiting, convulsions, etc., the treating doctor would ask you to get admitted to the nearest hospital immediately.

How can I prevent catching a malarial infection?

As of today, there is no vaccine for malaria. The best way to prevent malaria is to ensure you keep yourself away from mosquitoes. If you live in an area where mosquitoes are common, use mosquito coils, vaporisers or nets while sleeping. Wear full-sleeved shirts and long pants while travelling to an area known to have a lot of mosquitoes. Also, use mosquito repellent on exposed skin.

What is dengue?

Dengue fever is a viral disease transmitted by the bite of an Aedes mosquito carrying the dengue virus. This viral infection shows flu-like symptoms and can be potentially lethal in severe cases. It is a leading cause of hospitalisation in Asian and Latin American regions.

Urethral cancer is an ailment where cancerous cells develop in the delicate tissues of the urethra, a crucial tube responsible for transporting urine from the bladder to beyond the body's walls. Although it can occur in both genders, it is more likely to develop in males due to differences between the male and female anatomy. Despite its rarity, understanding this condition is essential for prevention, early detection and effective treatment. In this article, we’ll take a closer look at the common causes of urethral cancer so that you or your loved one can make informed decisions regarding their preventative healthcare needs.

How is Urethral Cancer Caused?

Listed below are the main urethral cancer causes, along with its risk factors:

1. History of Bladder Cancer: If you've had bladder cancer disease previously, you're more in danger of developing urethral cancer. This is because the bladder and urethra are connected and have a portion of similar sorts of cells.
2. STDs: Sexually transmitted diseases, like human papillomavirus (HPV), can make it more likely for you to get urethral cancer. Among the types of HPV, one form called HPV type 16 is especially known for causing this cancer. It's essential to practice safe sex and get the HPV vaccination to reduce the possibility of this occurrence.
3. UTIs: Regular UTIs (urinary tract infections) can provoke persistent irritation in your urethra, which could increase the risk of getting urethral cancer disease. That is why it's crucial to keep a healthy urinary system.
4. Age and Gender: Urethral cancer is more normal in older adults and more often diagnosed in men than women.
5. Chemical Exposure: In certain instances, heightened exposure to specific chemicals, such as those utilized within the textile or chemical sectors, has been associated with an elevated likelihood of developing urethral cancer.
6. Tobacco and Smoking: Smoking, as with numerous other forms of cancer, can raise the likelihood of developing urethral cancer.

Appendiceal cancer is a rare type of cancer that starts in the appendix, a small tube attached to your large intestine. The causes of appendiceal cancer are still mostly unknown. Several factors, including age, gender, particular medical conditions, and genetic factors like a family history of certain disorders, have been linked to an increased chance of this cellular failure, even if the causes of appendiceal cancer are unknown. In this article, we’ll explore the causes and risk factors of this condition.

How is Appendiceal Cancer Caused?

The exact causes of appendiceal cancer are not well understood, and there are no identified avoidable risk factors. Several factors have been observed in association with this condition, including:

1. Pernicious Anaemia:

• It has been studied that vitamin B12 deficiency, which causes pernicious anaemia, could be a risk factor.

2. Atrophic Gastritis:

• It has been proposed that this long-lasting stomach lining inflammation, also known as atrophic gastritis, may be one of the appendiceal cancer causes.
• The development of cancer may be influenced by persistent inflammation.

3. Zollinger-Ellison Syndrome:

• An increased risk of appendix cancer has been linked to Zollinger-Ellison syndrome, a rare digestive tract condition characterised by excessive production of stomach acid.

4. Family history of MEN1:

• People who have a family history of MEN1, a genetic condition that predisposes people to cancers in hormone-producing glands, may be more likely to develop appendiceal cancer.

5. Smoking:

• It has been proposed that smoking might be a potential appendix cancer cause.
• The appendix could potentially develop malignant alterations as a result of the toxins found in cigarette smoke.

A vital component of the digestive system, the small intestine performs a variety of functions, including producing hormones for digesting and housing immune cells that guard against mouth infections. Despite being uncommon, small intestinal cancer requires early detection and thorough management for improved patient outcomes. In order to properly handle this relatively uncommon malignancy and give people impacted the best care possible, it is imperative to know the exact cause of small intestine cancer. Read on to know more about the causes and risk factors of this condition.

How is Small Intestine Cancer Caused?

Let us explore how small bowel cancer develops and the elements that influence it in order to have a greater understanding of the causes of small intestine cancer:

1. Genetic Alterations:

• The root cause of small bowel cancer is genetic abnormalities.
• The cells are forced to grow quickly as a result of these genetic alterations, eluding the normal cell cycle that would normally cause them to die.
• This uncontrolled growth of cells plays a crucial role in the development of tumours and the spread of small bowel cancer, adding to its difficult and complex nature.

2. Uncontrolled Growth:

• Cancerous cells persist and multiply, whereas healthy cells normally experience programmed cell death.
• A tumour could develop as a result of this unregulated proliferation's excessive cell accumulation.
• Small bowel cancer is known for its rapid, uncontrolled cell development, which adds to the disease's difficult-to-treat and potentially invasive nature.

3. Invasion and Spread:

• The small intestine's healthy tissue may eventually become invaded with such unusual cells over time.
• Additionally, they could separate from the primary tumour and spread via the lymphatic or circulatory systems to different parts of the body.

Every day, you make decisions in your life that affect your health, but did you know that something as small as what you eat can increase your risks for duodenal cancer? First, let’s take a look at some background information on this disease: Duodenal cancer refers to any form of malignancy occurring in the duodenum – the first part of the small intestine - which has multiple functions within digestion, including connecting the stomach and jejunum. In this article, we will explore some causes of duodenal cancer, giving you deeper insight into protective measures they might take.

How is Duodenal Cancer Caused?

The following reasons are usually found to be associated with duodenal cancer occurrence:

• Diet: Diet is considered to play a significant role in eating food, specifically red meat, ultra-processed food, and smoked and cured food.
• Bowel disease: Patients of any type of bowel disease that includes chronic inflammatory bowel disease (IBD), Crohn’s syndrome and others have more chances of developing duodenal cancer. Research has shown people with Crohn’s syndrome have 60% more chances to develop duodenal and other small bowel cancers.
• Genetic mutations: Mutations associated with genetic diseases like nonpolyposis colorectal cancer (HNPCC), familial adenomatous polyposis (FAP), and Peutz-Jeghers syndrome predispose a person to duodenal cancer.
• Celiac disease: Patients who suffer from long-standing celiac disease are at risk for developing duodenal cancer.
• Family History: People with first-degree relatives having any form of small or large bowel cancer are at higher risk of developing duodenal cancer.
• Lifestyle factors: People with an unhealthy lifestyle that includes regular smoking, alcohol consumption, a diet low in fresh fruit and vegetables and less physical activity. are at higher risk of developing duodenal cancer.
• Benign polyps in the duodenum: Any type of non-cancerous benign growth in the duodenum may cause a higher chance of developing duodenal cancer.
• Ulcer: You may be wondering, “Can duodenal ulcer cause cancer?”. Studies have shown that ulcers in the duodenum can lead to cancer, but this occurrence is very rare.

Rectal cancer is a serious health condition that affects thousands of people every year. Rectal cancer originates in the rectum – the last part large intestine, which is several inches long and is directly linked to the anus through a narrow passage. While the exact causes of rectal cancer remain largely unknown, there are several risk factors and lifestyle habits which can increase your likelihood of developing it. In this article, we’ll be discussing the possible causes of rectal cancer in greater detail, including how certain environmental factors may increase your risk.

How is Rectal Cancer Caused?

Most cases of rectal cancer are sporadic, that is, the mutation of the gene that causes cancer formation is acquired and not inherited from parents. A small amount of patients (only around 10%) show inherited patterns of rectal cancer. There are also several genetic and environmental risk factors that increase the chances of rectal cancer. The following reasons are usually found to be associated with rectal cancer occurrence:

• Genetic mutations - Mutations in the gene FAP (Familial Adenomatosis Polyposis) have been found to be associated with rectal cancer. Further mutation associated with genetic diseases like Lynch syndrome, i.e. hereditary non-polyposis colorectal cancer [HNPCC], has been found to cause rectal cancer. People with Lynch syndrome, another genetic disorder, show up to 80% risk of developing rectal cancer. People with a FAP mutation also show a 100% lifetime risk of developing rectal cancer if they leave the polyps in the colorectal region untreated.
• Family history – People with a family history of colon cancer, adenomatous polyps, and polyps with villus are at a higher risk of getting rectal cancer.
• Development of inflammatory bowel disease – Patients with inflammatory bowel disease or Crohn’s syndrome are more prone to developing rectal cancer.

Other risk factors for developing rectal cancer include the following:

• Age – The chances of getting rectal cancer increase with advancing age.
• Unhealthy lifestyle – Following an unhealthy lifestyle with a non-nutritious diet, smoking, alcohol intake, and physical inactivity increases the risk of developing rectal cancer.
• Lifestyle diseases – Diseases that occur due to a bad lifestyle, like diabetes and obesity, can also increase the chances of getting rectal cancer.