ICICI Lombard Health Insurance Cashless Network Hospital List in Gaya, Bihar

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• Personal Accident Insurance 
• Top Up Health Insurance
• Arogya Sanjeevani Policy
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ICICI Lombard Health Insurance Cashless Network Hospital List in Darbhanga, Bihar

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• Top Up Health Insurance
• Arogya Sanjeevani Policy
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ICICI Lombard Health Insurance Cashless Network Hospital List in Champaran, Bihar

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• Personal Accident Insurance 
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ICICI Lombard Health Insurance Cashless Network Hospital List in Bhojpur, Bihar

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ICICI Lombard Health Insurance Cashless Network Hospital List in Bhagalpur, Bihar

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• Top Up Health Insurance
• Arogya Sanjeevani Policy
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ICICI Lombard Health Insurance Cashless Network Hospital List in Begusarai, Bihar

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ICICI Lombard Health Insurance Cashless Network Hospital List in Arrah, Bihar

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ICICI Lombard Health Insurance Cashless Network Hospital List in Nadia, West Bengal

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• Personal Accident Insurance 
• Top Up Health Insurance
• Arogya Sanjeevani Policy
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Insurers can no longer deny coverage to those suffering from mental illness and genetic disorders

In a major move that could boost health insurance penetration in India, the Insurance Regulatory and Development Authority of India (IRDAI) has said that mental illness, genetic disorders and menopause can’t be excluded from insurance coverage.

As a part of an exposure draft on standardisation of exclusions of a health insurance policy, IRDAI also said that any ailment contracted after taking the plan must be covered.

Also, health insurance plans which don’t comply with these regulations have to be withdrawn by 1st April 2020. It must be noted that by law, it’s mandatory for health insurers to offer coverage to people suffering from mental illness.

However, insurers were pretty selective in providing such covers. But now, following IRDAI’s diktat treatment of mental disorders, stress, neurodegenerative and psychological disorders will have to be covered.

Additionally, use of drugs or anti-depressants prescribed by doctors would be a part of the health insurance coverage. At the same time, failure to follow medical advice or treatment can’t be used as a clause to deny insurance.

The insurance regulator also said that in the case of artificial life maintenance, expenses incurred till the date of confirmation by the treating doctor stating that the patient is in a vegetative state would also be covered. Also, expenses incurred on robotic surgeries and oral chemotherapy will be covered.

Having said that, pre-existing diseases (with a maximum waiting period for 2 years), infertility treatment, weight control, plastic surgery and diagnostic tests will remain in the list of health insurance exclusions.

Also, the waiting period for lifestyle conditions like hypertension, cardiac conditions and diabetes is not allowed for more than a month (30 days), in case they are pre-existing at the time of purchasing a policy. It must be noted that some of the diseases including HIV/AIDS, Alzheimer’s disease, Parkinson’s disease, Hepatitis B, chronic liver and kidney disorders are permanently excluded from coverage.

*Source:Money Control

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ICICI Lombard Health Insurance Cashless Network Hospital List in Murshidabad, West Bengal

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• 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 Malda, West Bengal

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• Arogya Sanjeevani Policy
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which offers people much needed financial backup during any medical emergencies.

To extend accessible, affordable, quality healthcare for its 120-crore population, the Indian government has planned to create a digital repository of each individual’s medical history. This will be done through an Aadhar-linked electronic health record (EHR) that is on par with the worldwide shift towards electronic health system.

For the health insurance sector, a networked database will provide the details to verify the claim made by policyholders, the procedures undergone by patients, etc. It will help to increase transparency and reduce fraudulent claims, according to Insurance Regulatory Development Authority of India (IRDAI) officials.

For patients, a centralised database ensures they do not have to carry their paper files when visiting or switching hospitals. Additionally, doctors will know the medical history of patients before actually meeting them.

However, it could entail a possibility of premium hikes based on the medical history of the patient who is or will be a policyholder. Moreover, with data sharing, there is a fear of misuse of health records. For instance, accessibility to an employee’s medical records could be a matter of discrimination at the workplace. Therefore, it is necessary for the government to ensure that there is privacy law in place. A robust regulation system would be required to oversee the proper usage of the EHR database.

Reboot your system with these lifestyle changes to stay fit and fabulous when you hit 40.

It usually takes more than a couple of decades to be closer to what we want to be and live a contented life. Ageing, therefore, isn't something to dread after all. Going up the hill actually gives us a better view of the years behind us so we learn to appreciate each day.

Here are 10 lifestyle changes to implement when you hit your 40s :

1. It's never too late

Time holds a more precious role in our lives at this age. So don't waste it and live the life that makes you proud. In addition, let go of all negative emotions and live every moment of your life without any regrets.

2. Weed out the toxins

It's time to detoxify your body. So eat healthy and avoid junk food. Reduce the use of chemicals and cosmetics. They play havoc on your skin and make you age twice as fast.

3. Start exercising

An unhealthy lifestyle and years of stress will only add to health problems at this age. So stay active and exercise regularly. Join the gym, practice yoga or take a quick walk to get your heart pumping.

4. Get rid of those addictions

We all succumb to addictions like smoking, caffeine, sodas, coffee, tea, sugar or energy drinks due to stress or the penchant for a carefree life. However, four decades down the line, it is time get rid of those toxic habits and lead a healthy life.

5. Keep your brain active

As you age, the functions and capacity of your brain begin to regress. In order to train your brain to remain active, and protect it from diseases and loss of memory, exercise your brain by reading, solving puzzles and indulging in physical exercise.

6. Put aside money for health issues

It is important to set aside money for health issues that may crop up in the future by investing in funds and health insurance policies to be financially secure during trying times.

7. Trust your strengths and passion

As youngsters, inputs from friends and family influence often us and sometimes even hinder us from following our dreams. With time, you learn to nurture your strengths and trust your instincts to follow your passion.

8. Become an inspiration

This is the time to face chaos with the confidence and wisdom you have achieved with your past life experiences. Now is the time to inspire and be inspired.

9. Don't be too serious

We remain just a miniscule blip in the grander scheme of things and it takes us many years to put this into perspective. However, now is the time to free yourself of over-analysis, perfectionism and rigidity that best described your younger days.

10. Strive for work-life balance

Since it is hard to do so when we are younger, the 40s is the perfect time to unplug periodically and balance work with life rather sprinting through it. With work-life balance, you can reduce stress and restore harmony to your life.

Ageing is inevitable. So in addition to these tips, try to lead a stress-free life and use your experiences to make the next 40 years amazing. It would also be wise to invest in health insurance policies to cover unexpected medical costs or unforeseen health issues. Stay healthy, stay happy!

People in each region lead different lifestyles which has a significant impact on their health.

The survey recorded that about 25% of deaths in south India is caused by heart disease. This is the highest recorded percentage. Central region recorded the lowest percentage of deaths due to heart ailments (12%).

The urban India witnesses about 32.8% of deaths occur due to heart ailments. Surprisingly, the rate is lower in rural areas (22.9%). If all age groups are included, heart disease accounts for 19% of all deaths.

The Good News!

As per a report by World Health Organization, 4 out of 5 heart related deaths are preventable! The fatal heart condition can be prevented by bringing changes in your lifestyle. It is said that about 80% of heart diseases are preventable if individuals focus on adopting a healthy lifestyle.

1. Major Risk for Heart Disease
2. Tobacco use
3. Physical inactivity
4. Obesity
5. Poor diet
6. Genetics
   
   

A cancer is uncontrolled proliferation of cells in our body. Anything that causes cancer is called a carcinogen. We've all known that smoking and alcohol consumption dramatically increase the risk of cancer, but what you're about to read now might come as an absolute shocker to you.

What you are going to learn is how common foods that you consume daily or quite frequently can be a cause of concern.

Popcorn, the microwavable variety

Probably the most convenient and popular of all "packed" foods, microwave popcorn is simplicity personified. Unfortunately, chemicals found in the linings of the bags release potent carcinogens in the popcorn when microwaved.

Artificial sweeteners

Though marketed as a "healthy option to the calorie-rich sugar," artificial sweeteners are wolves in sheep’s disguise. Aspartame, sucralose (your favourite Splenda or Equal), saccharine and many other such sweeteners are all linked to various kinds of cancers.

Conventionally-grown fruits and vegetables

These may contain as many as 50-60 different types of pesticides and residues of chemical fertilizers, all of which are either known, confirmed or potential carcinogens.
The chart shows a few farm products like grapes, apples, strawberries etc. that generally contain pesticides. Other foods like cabbage, bananas or tomatoes have comparitively less pesticides in them.

Refined sugars

The pure-white, crystalline table sugar and High Fructose Corn Syrups (HFCSs) are the best sources of nutrients for cancer cells and can drastically increase their proliferation. And so, many of our food-goodies, like pies, cookies, candies and other processed foods, which contain either refined sugar or HFCS, are a health hazard.

While there isn't a way to safeguard yourself or your dependent family members from mishaps or bad luck, there definitely is a way to cover your expenses in case you meet with such unwanted luck!

While many of us are aware of life insurance, motor insurance and health insurance, very few know about accident policies, also known as Personal Accident Insurance policy. Go through these seven frequently asked questions to know more about this policy and who all should opt for it.

What is Personal Accident Insurance?

Personal Accident Insurance protects your finances by providing a lump sum compensation in the unfortunate event of a fatal accident or one that disables you permanently. The compensation shields you and your loved ones from a financial crunch. This insurance also covers accidental hospitalization cost.

Note: The amount of compensation depends upon the sum insured.

What qualifies as Permanent Total Disability?

1. Loss of both eyes
2. Loss of both hands
3. Loss of both feet
4. Loss of one hand and one foot

I am a homemaker who spends majority time at home. Do I also need a personal accident insurance?

Accidents can happen to anyone. Motor accidents, rail accidents, natural calamities, the list is endless. These can sound scary. But, getting intimidated is not the solution, being financially prepared is. Opting for a Personal Accident Insurance helps you to meet expenses in case a crisis arises.

I travel to different countries often for business and at times for leisure. What if I meet with an accident outside India?

You can be rest assured, accident policies offer worldwide coverage. Your claim will be paid even if you meet with an accident overseas.

I already have a health and life insurance cover. Why should I buy Personal Accident Insurance?

Life insurance offers a death benefit to your nominee in case you pass away. Health insurance provides a compensation and/or reimbursement of hospitalization and other medical expenses.

A Personal Accident Insurance policy, on the other hand, insures against the financial risk that could arise due to accidental permanent total disability or accidental death of an earning family member. In short, the policy is essential as it strengthens your financial portfolio securing the future of dependent family members against unforeseen events.

What happens if I am hospitalized after an accident takes place? Would it cover hospitalization expenses?

Yes. You can avail optional covers by paying an additional premium. An Accidental Hospitalization Cover provides reimbursement for medical expenses related to hospitalization and a Daily Cash Cover provides you with a cash allowance for each day of hospitalization.

Would I need to pay a high premium for availing Personal Accident Cover?

No. For example, the premium for a basic policy of Rs. 5 lakh (duration 1 year) is approximately Rs. 610. It is but a small price for ensuring your family's financial security!

I have a family to support. Does Personal Accident Insurance cover death?

Yes. All you need to do is mention the name of your nominee in the policy document. The sum insured will be paid to your nominee by the insurance company.

Available online, a Personal Accident Insurance is a great financial solution to secure your finances against accident-related expenditures. Don't miss purchasing this crucial cover!

But, soon reluctance gives way to thrill as the rookie swimmer takes confident strokes and leaves his floating aids behind.

Swimming is exhilarating. But, as all proficient swimmers will tell you, swimming is more than just a recreational activity. Along with immense pleasure, this exercise offers a horde of hidden benefits. If you haven't taken the plunge yet, here are plenty of reasons to make you do so.

Swimming Makes You Feel Awesome

Common swim strokes

1. Freestyle:A fast technique, preferred by veteran swimmers
2. Breaststroke:A slow method, popular among beginners
   
   
3. Backstroke: Great for people with back problems
   1. Feel less anxious and more relaxed
   2. Experience a trance-like state
   3. Bust stress
   4. Improve overall sense of well-being
   5. Combat uncomfortable summer heat
   6. Fulfill their adventurous instincts

'Swimming is all about having fun, and I am firm believer that you should keep swimming as long as you are having fun, but I can say that it becomes much more fun as you get older and learn more about the sport, life, and especially more about yourself'- Scott Goldblatt (Olympic gold medalist in swimming)

Swimming Burns Calories Like Never Before!

Facts, We Bet You Didn't know!

1. Elephants can swim as many as 20 miles a day using their trunks as natural snorkels.
   
   2.Y-40 Deep Joy pool in Italy is 130 feet deep. It works out to a height of a 14-storey building!

Burn off those excess calories to eat whatever you want. Any book of nutrition would tell you that:
1. A 30-minute butterfly stroke will burn more than 350 calories. In contrast, walking would burn only 80-100 calories.

2. You can choose your style of swimming. The calories you burn depend upon the kind of strokes you do.

3. Swimming is a healthy way to reduce weight and people with more weight end up burning more calories during swimming.

'With swimming, I burn a lot of calories. I'm able to eat pretty much anything and it won't affect me. But I don't.' - Ryan Lochte (Eleven times Olympic Gold Medalist in Swimming)

Air pollution resulting in countless casualties across India

Air pollution in the country has been a hot issue these past few years. According to a recent Greenpeace Report India published, India surpassed China in number of premature deaths; India reporting 3,283 premature per day compared to China’s 3,233 per day.

The tragic news is that the global number is set to increase by 7.5 million in 2040 unless the energy sector is able to curb its emissions.

The World Health Organisation (WHO) made it public that fine particulate matter has the greatest impact on health and give rise to various health issues, especially in the urban areas.

The Pollutants

The urban regions are major generators of pollution due to industrialisation. The common sources for this rise in pollution is contributed towards the following:

• Increase in number of vehicles
• Emissions from factories and power plants
• Combustion of biomass
• Kerosene usage for lighting
• Unregulated use of fuel energy

The fine particulate matter is released on burning of fuel and other sources like vehicle, power plants and households. The WHO report states that deaths due to indoor pollution have been higher than outdoor air pollution. Not surprising since many homes in India still use biomass for cooking and kerosene for lighting which easily saturates into the atmosphere increasing the level of pollutants.

Further, use of unregulated fuel energy are the contributing reasons for this man-made environment crisis. The effects of air pollution and fine particulate matter can be managed only by adopting cleaner fuel for cooking and electricity.

The Health Impact

As per the statistics released by WHO, the fine particulate matter (PM2.5) is known to create a broad spectrum of health issues ranging from chronic illness to death. The particulate matter less than 2.5 micron is the most persistent and can remain in the air for weeks. It enters deep into the respiratory system through nose and throat and entering the bloodstream from the tiny air sacs.

The body then naturally reacts to these foreign materials by releasing them through coughing and sneezing. The issue becomes acute when these particles contain other toxic cancer-causing chemicals. Over time it can cause serious ailments like heart disease, asthma, chronic bronchitis and pneumonia. Pregnant women need to be more careful, as long-time exposure results in premature births and babies born with low-weights. Infants and senior citizens may struggle to battle such pollutants leading them to fall sick often.

The WHO report further indicates that 1/5th of 3 million deaths worldwide were due to fine particulate matter (PM2.5) exposure. It causes long-lasting cardiovascular and respiratory diseases.

Need for a Change

Fine particulates are not just an environmental problem but also great indicators of health crisis to come. Its worldwide presence makes it imperative that strong steps need to be taken to curb their increase.

India needs to take strong measures as exemplified by China, who have had a year-on-year improvement. Lack of initiative to curb emissions in form of indoor and outdoor pollution could be lethal to the Indian masses.

One of the long-term solutions that help fight the medical expenses that arise due to pollution is a comprehensive health insurance plan. Such a plan will not only cover indemnity-based benefits, but also fixed benefits that pays a lump sum with critical illness cover. In new age plan, such as ICICI Lombard’s Complete Health Insurance, you have the opportunity to reimburse for expenses not covered in your policy through the wellness program. Click here to know more about wellness programs and comprehensive health insurance plans that reward you for staying fit!

ICICI Lombard Health Insurance Cashless Network Hospital List in Pathankot, Punjab

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ICICI Lombard Health Insurance Cashless Network Hospital List in Nawanshahr, Punjab

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• 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.