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  • Doctors Consider Air Pollution as a Prime Reason for Eye Infection

    by Almog Ramrajkar | Oct 11, 2023

    Recent studies indicate that the rise in eye infections in cities is a direct result of air pollution. 30,000 people were detected with cornea infection caused by the increased particulates in the air last year in Delhi. Doctors state that the problem is serious because if allergies and conjunctivitis are left untreated, they can damage the cornea and impair vision.

    According to doctors, the tear film of the eyes is made more acidic by pollutants like nitric oxide, sulphur dioxide and nitrogen dioxide existing in high levels in the air.

    Samir Sud, an eye expert said, "One should not rub eyes directly even if fine particulates enter, rather wash eyes with water. After that they should apply a cool compress to help reduce inflammation."

    Direct contact with an allergen leads to the allergic reaction in the eye. Once it happens, chances are that it would occur repeatedly. It is suggested to visit an eye expert if the problem is causing considerable inconvenience. The doctor might recommend antihistamines or anti-inflammatory eye drops. In certain cases the doctor might even suggest steroid eye drops for relief.

  • Causes of Measles

    by icicilombard 002 | Oct 11, 2023

    Measles is an airborne viral infection that affects many people, young and old alike. Highly contagious, measles can spread quickly if preventative measures against the virus are not taken. While it’s easy to blame the measles virus for this severe illness – which can even result in death if left untreated – there are various factors which contribute directly or indirectly toward its spread. As such, it’s important to know more about what causes measles so you can take action before the disease has a chance to spread. This allows you to claim your health insurance at the right time. In this blog post we'll cover some of the most common causes of measles.

     

    How is Measles Caused?

    Measles is the result of infection by a contagious virus known as morbillivirus.

    Morbillivirus spreads through various means. This includes the release of contaminated droplets into the air when an infected person coughs, sneezes, or talks. The following are some of the most popularly known causes of measles:

    • Morbillivirus can be transmitted through intimate contact such as kissing
    • Sharing drinks or food
    • Shaking hands or holding hands, or hugging with an infected individual.
    • Pregnant individuals can pass on the virus to their babies during pregnancy, childbirth, or through breastfeeding

    Notably, the morbillivirus can persist in the air even after the infected person has left the vicinity. After exposure to the morbillivirus, it can take between six to 21 days for symptoms of measles to manifest. This period is known as the incubation period. Importantly, individuals become contagious approximately four days before the onset of the characteristic rash and continue to be so for about four days after the rash appears.

    It's essential to note that there is no known cure for measles. The virus typically follows its natural course, which usually lasts for about 10 to 14 days.

    However, some measures can be taken to alleviate symptoms and discomfort during this time. Some timely pain-relieving intervention include taking over-the-counter pain relievers, ensuring adequate rest, staying well-hydrated, gargling with salt water, and avoiding bright lights if one's eyes become sensitive.

     

    Conclusion

    Measles poses a significant threat, especially to young children. Measles spread through respiratory droplets, close contact, and from pregnant or new mother to child. Despite a readily available vaccine, thousands still succumb to this preventable disease annually. Understanding the causes of measles is crucial for early intervention. Timely vaccination remains the most effective defense against measles.

     

    The above blog aims to provide general information about health and related topics. Any information provided in this blog, website or in any linked materials is not intended and should not be considered, or used as a substitute for any medical advice, diagnosis or treatment. It is important that you contact your Doctor before starting a new medicine or health regime.

  • The Essentials of a Complete Health Insurance Plan

    by Almog Ramrajkar | Oct 11, 2023

    However market statistics show that the decision to opt for an insurance cover does not immediately culminate into a purchase. This is generally due to the availability of multiple types and options of insurance schemes that leave the buyer undecided on the best course of action.

    Are you too in a similar stage of dilemma? If so, spend the next few minutes with us, as we acquaint you with the various aspects of a Complete Healthcare Insurance Plan.

    For starters, health insurance plans offer the following benefits:

    Peace of Mind: Needless to say an insurance plan that provides financial relief in medical exigencies gives immense peace of mind

    Reduced Financial Liabilities: Financial liabilities towards healthcare can be addressed by opting for a reliable Individual Healthcare insurance plan.

    Quality Healthcare Services: Insurance companies have a tie up with a vast network of hospitals. By opting for a health insurance plan you can get immediate medical attention at such hospitals.

    Healthcare Expenses: A health plan safeguards your finances and protects you against losses due to rising medical costs.

     

    How is it different from a Life Insurance Plan?

    A life insurance plan offers a lump sum amount (sum assured) to your dependants (nominees) once you pass away. On the other hand, health insurance plans cover the cost of medical expenses.

    What are the types of Health Plans?

    There are primarily two types of Health Plans: Benefit and Indemnity Plans. While Benefit Plans provide a lump sum amount on being diagnosed with select critical illnesses, Indemnity Policies offer to reimburse your medical expenditure either through a cashless channel or 'pay-and-claim' method.

    Complete Health Insurance - iHealth Plan

    is a comprehensive plan designed to cover your healthcare expenses during emergencies thereby minimizing your financial burden.

     

    What is Health Insurance?
    An agreement between you and the Insurance Company wherein the company agrees to bear your healthcare and hospitalization expenses in lieu of a yearly charge known as premium.

    Things to Consider Before Deciding the Coverage Amount:

    • Number and Age of Policyholders
    • Pre-existing Ailments

    Unsure About The Coverage Amount?
    Well, opt for the health plan along with a top up plan, in that case. Available at nominal rates, these plans (like Health Care Plus) offer to cover expenses in case your existing health care policy coverage proves to be inadequate

    Quick Tip:
    Well, opt for the health plan along with a top up plan, in that case. Available at nominal rates, these plans (like Health Care Plus) offer to cover expenses in case your existing health care policy coverage proves to be inadequate.

  • List of Cashless Network Hospitals in Kallakurichi

    by iciclombard 01 | Oct 11, 2023

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

    Explore ICICI Lombard’s health insurance plans :

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

  • List of Cashless Network Hospitals in Hosur

    by iciclombard 01 | Oct 11, 2023

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

    Explore ICICI Lombard’s health insurance plans :

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

  • List of Cashless Network Hospitals in Gobichettipalayam

    by iciclombard 01 | Oct 11, 2023

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

    Explore ICICI Lombard’s health insurance plans :

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

  • List of Cashless Network Hospitals in Erode

    by iciclombard 01 | Oct 11, 2023

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

    Explore ICICI Lombard’s health insurance plans :

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

  • List of Cashless Network Hospitals in Dindigul

    by iciclombard 01 | Oct 11, 2023

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

    Explore ICICI Lombard’s health insurance plans :

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

  • List of Cashless Network Hospitals in Dharmapuri

    by iciclombard 01 | Oct 11, 2023

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

    Explore ICICI Lombard’s health insurance policies :

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

  • List of Cashless Network Hospitals in Devakottai

    by iciclombard 01 | Oct 11, 2023

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

    Explore ICICI Lombard’s health insurance plans :

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

  • List of Cashless Network Hospitals in Cuddalore

    by iciclombard 01 | Oct 11, 2023

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

    Explore ICICI Lombard’s health insurance policies :

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

  • File a Reimbursement Claim in Health Insurance

    by icicilombard 002 | Oct 09, 2023

    In case of planned or emergency hospitalisation, you may want to go to a hospital that’s in your vicinity. If the doctor who’s been treating you works at a particular hospital, chances are you would prefer that one over others.

    In case of planned or emergency hospitalisation, you may want to go to a hospital that’s in your vicinity. If the doctor who’s been treating you works at a particular hospital, chances are you would prefer that one over others. Now, it may be possible that your health insurance company's hospital network doesn't cover your preferred hospital. Then, the only option you would have at hand is to make a reimbursement claim on your health insurance.

    You might have too many doubts about a reimbursement claim that range from what is a reimbursement claim to what you can do to ensure a smooth and speedy settlement of your reimbursement claim. Hence, here we are to help you get acquainted with its complete process and further understand its intricacies.

    When can you file a health insurance reimbursement claim?

    In case of planned hospitalisation, you can inform us two days before admission, and in case of emergency hospitalisation, you need to inform us within 24 hours of hospitalisation.

    Steps to raise a reimbursement health insurance claim

    Unlike a cashless claim, you have to take the initiative when it comes to making a reimbursement claim. Here are the steps involved in a reimbursement claim process under our health insurance.

    • Step 1: You intimate the claim

    You can call our 24x7 toll-free number 1800 2666 or SMS ‘HEALTHCLAIM’ to 575758 (charge – ₹3 per SMS) or email us at ihealthcare@icicilombard.com to inform us about your hospitalization.

    • Step 2: You get your papers ready

    Once you have made the payment at the hospital, arrange all the documents chronologically. Start from the original bills for doctor’s consultation, X-ray, and other medical expenses to your discharge summary, medical reports, and hospital bill. With us, you can also include the bills of your medical expenses 30 days before hospitalisation and 60 days after.

    • Step 3: You fill out & submit the claim form

    Next, you’ll have to download the claim form from our website. Take a print, fill in the details in sections A, C, and D. Section B needs to be filled in by your treating doctor or the hospital. After that, sign on the claim form and also get it signed by your treating doctor.

    • Step 4: We go through your claim request

    Once you successfully submit all the documents, we’ll go through your claim request. Your claim can either be approved or turned down as per your policy coverage. There may also be a case where we ask for more documents from you to process your claim faster.

    Till then you can track your claim status with your claim number on our website. If your claim is approved, we will transfer the claim amount into your bank account. If your claim is turned down, we’ll convey the reason for declining it.

    Documents required for reimbursement health insurance claim

    You will need to submit the claim along with the documents listed below. Those marked with an “*” are mandatory, and the rest will depend upon your claim request.

    • Duly filled claim form*
    • Original discharge summary/daycare summary*
    • Original final hospital bill and other bills if any*
    • Original payment receipts and other receipts supporting bills*
    • Original investigation reports (Including ECG/ CT/ MRI/ USG/ HPE)*
    • Original pharmacy bills*
    • Original implant sticker/invoice
    • Photocopy of doctor’s prescriptions*
    • Photocopy of the consultation paper
    • Photocopy of age proof (Driving license/ PAN card/ Passport/ Aadhar card)*
    • Photocopy of indoor case paper
    • EFT (Copy of cancelled cheque/self-attested ID poof/Bank-attested copy of passbook with IFSC code)*
    • KYC (Copy of ID proof, Residence proof, & 2 passport-size photos) if the total claimed amount is more than ₹1 lakh

    Things to keep in mind while filing a reimbursement claim in health insurance

    To ensure you have a smooth and speedy reimbursement claim process, follow the below checklist:

    • Check your hospital bill before you sign and pay it for any errors or unexplained extra charges.
    • Collect all your receipts, reports and relevant documents from the hospital at the time of discharge.
    • Also, collect any bills for medical expenses incurred 30 days before and 60 days after hospitalisation.
    • Don’t forget to submit the mandatory documents along with other necessary proofs.
    • Take time out to go through the policy inclusions and exclusions when you make a reimbursement claim to avoid any confusion at a later stage.

     

    FAQs

    1. What is a reimbursement claim?

    In a reimbursement claim, you pay the hospitalisation expenses from your pocket, and the health insurance company later pays that amount to you, provided you submit all the necessary documents. You will have to apply for a reimbursement claim only if you choose to get your treatment done at a hospital which is not a part of your health insurance company’s hospital network or if you miss opting for a cashless claim.

    1. How is a reimbursement claim different than a cashless claim?

    A reimbursement claim can take longer to process than a cashless claim. For a reimbursement claim, you need to ensure you collect and submit all the documents and bills related to your hospitalisation. On the other hand, in a cashless claim, the empanelled hospital will do the job of sending your documents and bills to the insurance company, and the claim will be settled with them directly.

    In a reimbursement claim, you have to wait till you get your money reimbursed from the insurance company, whereas in a cashless claim, the insurance company will pay it straight to the hospital. You will only have to bear the expenses that are excluded from your policy or are over your insured sum.

    Since your insurance company does not have a tie-up with the hospital, your reimbursement claim will be thoroughly investigated. This may further delay your claim settlement. Cashless claims tend to get settled faster and in a hassle-free manner.

    1. How long does a reimbursement claim take to process?

    A Reimbursement claims are typically processed within 15–30 days after submission of all required documents.

    1. Can I file a reimbursement claim for treatment at any hospital?

    A Yes, you can file a reimbursement claim for treatments received at any hospital, regardless of whether it's part of your insurer's network, provided the treatment is covered under your policy.

    1. What to do when my insurance claim is denied?

    A If your claim is denied, review the insurer's reasons for denial, address any discrepancies or missing information, and consider appealing the decision if you believe it was unjustified.

    Conclusion

    Filing a reimbursement claim under your health insurance involves a series of well-defined steps. While making a reimbursement claim, you need to be careful about the coverage of your treatment and related expenses, especially under the health insurance policy for family. Your health insurance company can turn down your claim if your policy doesn't cover them.

    Timely notifying your insurer, diligently collecting and submitting the necessary documents, and following the specified timelines are simple steps that save time later and ensure that the claim process is smooth. Always go through the documents to understand your policy's terms and maintain clear communication with your insurance provider to address any issues that may arise during the claim process.

     


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

  • Causes of Ringworm

    by icicilombard 002 | Oct 09, 2023

    Do you have a rash that looks like a ring? You may be suffering from ringworm, an infection caused by fungi. While it sounds scary, having ringworm doesn't mean you're unclean — anyone can get it! It's important to understand the causes of this common skin condition so you can take steps to prevent it and get rid of any current outbreaks as soon as possible. In this article, we'll discuss the causes of ringworm and provide several helpful tips for preventing the spread of this infection.

     

    How is Ringworm Caused?

    Ringworm is a prevalent issue, especially in tropical regions and during sweltering, humid summers. Ringworms can easily propagate in warm, damp settings. This includes locker rooms and indoor swimming pools. Ringworm is caused by various fungi. These infectious fungi tend to thrive in warm and humid environments. You can contract ringworm through various means:

    1. Direct skin-to-skin contact with an individual who is infected.
    2. Interaction with animals like dogs, cats, or farm animals carrying ringworms.
    3. Contact with soil that has been contaminated by ringworm.
    4. Handling objects, such as phones, combs, or towels, that have been contaminated with the fungi responsible for ringworm.

    Your likelihood of developing a ringworm infection increases if you:

    1. Reside in tropical regions.
    2. Spend considerable time in hot and humid weather.
    3. Experience heavy sweating.
    4. Engage in activities like wrestling, football, or other contact sports.
    5. Live in close quarters with others, such as military housing.
    6. Share towels, clothing, razors, or other items without proper disinfection (razors) or washing (clothing and towels).
    7. Are overweight or obese.
    8. Have diabetes.
    9. Wear clothing that rubs against and irritates your skin.
    10. Frequent locker rooms or pools without thoroughly washing and drying your feet before you put on shoes and socks.
  • Causes of Leukemia

    by icicilombard 002 | Oct 09, 2023

    Leukemia is a type of cancer that is characterised by the malfunctioning and rapid multiplication of abnormal white blood cells in the bloodstream. While it can affect individuals from all walks of life, leukemia - specifically acute lymphocytic leukemia (ALL) and acute myeloid leukemia (AML)- has been known to primarily target children. With devastating effects like anemia, severe bleeding issues, bone pain, and piled up infection risk due to lowered immunity system amongst many others; it’s no surprise that understanding the causes of leukemia holds paramount importance when it comes to prevention as well as implanting new treatment strategies. Therefore join us as we decode the mysteries surrounding the causes of leukemia.


    How is Leukemia Caused?

    Leukemia is caused by mutations in the genetic material within blood cells, specifically leukocytes. The changes impair the cells' ability to regulate their growth and division. In some instances, the mutated cells manage to evade the immune system's control mechanisms, leading to uncontrolled proliferation and outnumbering of healthy blood cells in the bloodstream.

    Several factors increase a person's risk of developing leukemia. This includes:

    • Gender: Gender plays a role, with men being more predisposed to this condition than women.
    • Age: Age is a significant factor, as the likelihood of developing most forms of leukemia increases with advancing age.
    • Family history: While most leukemias do not have a strong hereditary component, having a first-degree relative or an identical twin with the condition can increase an individual's risk.
    • Other medical conditions: Congenital syndromes, including Down syndrome, Fanconi anemia, Bloom syndrome, ataxia-telangiectasia, and Blackfan-Diamond syndrome, are associated with an elevated risk of developing the condition.
    • Smoking: Although smoking itself may not directly cause leukemia, individuals who smoke cigarettes face an increased risk of developing the condition.
    • Radiation: Exposure to radiation, particularly from high-energy sources like atomic bomb explosions, can raise the risk of leukemia.
    • Certain chemicals: Long-term exposure to specific pesticides or industrial chemicals like benzene is also considered a risk factor for leukemia.
    • Electromagnetic fields: Prolonged exposure to electromagnetic fields, such as living near power lines, may increase an individual's likelihood of developing the condition.
    • Certain therapies: Certain types of chemotherapy and radiation therapy used to treat other forms of cancer are recognised as factors that can increase the risk of developing leukemia.
  • Causes of Conjunctivitis

    by icicilombard 002 | Oct 09, 2023

    If you or your family have been dealing with red, itchy, and watery eyes lately—conjunctivitis (also known as “pink eye”) may be to blame. Conjunctivitis is a very common eye condition that can affect individuals of all ages and cause a range of annoying symptoms. While this infection can make life uncomfortable for a short time, understanding its causes and treatments will help ensure quick recovery periods so you can get back to living your life normally! In this article, we'll cover the various causes of conjunctivitis and what you should do if you're experiencing any of its symptoms.


    How is Conjunctivitis Caused?

    The following are some of the popularly known causes of conjunctivitis.

    • Viral Conjunctivitis

    One prominent cause of conjunctivitis is viral infection. Adenoviruses in particular, are the primary reason. Viral conjunctivitis is highly contagious and typically spreads via contact with infected individuals or contaminated surfaces, and is mainly what causes redness in the eyes. Symptoms include watery discharge, redness, and itching. The condition often accompanies viral illnesses like the common cold or upper respiratory tract infections.

    • Bacterial Conjunctivitis

    Bacteria, like Staphylococcus aureus, Streptococcus pneumoniae and Haemophilus influenzae, can induce bacterial conjunctivitis. The condition frequently occurs in the morning with crusty eyelids and yellow or green discharge. Close physical contact with infected persons, sharing personal items, or touching contaminated surfaces are common modes of transmission.

    • Allergic Conjunctivitis

    Some individuals experience allergic conjunctivitis triggered by exposure to allergens or seasonal changes. Typical allergens include pollen, pet dander, dust mites, and mold spores. The allergens lead to inflammation of the eye's conjunctiva, resulting in redness, stinging, and tearing.

    • Irritant Conjunctivitis

    Direct contact of the eye with irritants such as smoke, chlorine from swimming pools, or harsh chemicals can cause irritant conjunctivitis. The condition is not contagious and usually resolves once the irritant is removed. Proper eye protection and avoidance of irritants can prevent this form of conjunctivitis.

     

    Several factors increase the likelihood of developing conjunctivitis:

    • Exposure to an infected person: You can catch Conjunctivitis by coming into contact with an infected person.
    • Age: Children are particularly susceptible to infectious conjunctivitis due to close contact in educational settings.
    • Contact Lens Wear: Improper handling, extended use, or inadequate cleaning of contact lenses can lead to bacterial conjunctivitis.
    • Compromised Immune System: People with weakened immune systems are more vulnerable to bacterial or viral conjunctivitis.
    • Allergies: Those with a history of allergies are more prone to allergic conjunctivitis.
    • Environmental Exposure: Living in crowded or unsanitary environments may elevate the risk of conjunctivitis transmission.
  • Causes of Pancreatitis

    by icicilombard 002 | Oct 09, 2023

    The pancreas is a component of the gastrointestinal system and is responsible for producing enzymes to aid in digestion as well as hormones to regulate blood glucose levels. Pancreatitis is characterized by inflammation of the pancreas, which arises when the digestive enzymes within the organ become activated and irritate the lining of the pancreas. Acute pancreatitis can occur suddenly and last for a few days, while chronic pancreatitis manifests gradually over the course of several years. In this article, we explore the causes of pancreatitis.

     

    How is Pancreatitis Caused?

    Swelling and pain are consequent to inflammation of the pancreas. Acute pancreatitis often stems from gallstones and generally dissipates after a few days of treatment. Nonetheless, repeated episodes of acute pancreatitis can progress into chronic pancreatitis. Chronic pancreatitis is a severe condition that does not resolve on its own. In the absence of treatment, chronic pancreatitis can result in permanent damage to the pancreas. Excessive alcoholism is the most common cause of chronic pancreatitis. Some of the other causes of pancreatitis are:

    • Gallstones: Gallstones formed in the gallbladder can come out and block the bile duct, resulting in blockage of pancreatic enzyme release into the small intestine. Retention and activation of digestive enzymes in the pancreas result in irritation of the pancreas, which results in inflammation.
    • Excessive consumption of alcohol: Excessive consumption of alcohol can lead to the development of pancreatitis by increasing the viscosity of pancreatic secretion, which leads to inflammation and fibrosis.
    • High levels of triglycerides in the blood: higher levels of triglyceride-rich lipoprotein in the circulation can occlude the pancreatic capillaries, which can damage pancreatic acinar cells, resulting in inflammation.
    • Abnormally high calcium levels: Elevated calcium levels in the blood can deposit in the pancreatic duct, which results in the retention and activation of trypsinogen in the pancreas. Activation of enzymes in the pancreas results in inflammation.
    • Family history of pancreatitis: Genetics plays an important role in the development of pancreatitis. A person with a family history of pancreatitis has a higher chance of developing pancreatitis.
    • Other causes of pancreatitis include pancreatic cancer, cigarette smoking, diabetes, abdominal injury, infection, cystic fibrosis, obesity, abdominal surgery, and trauma.
  • Is an Aadhaar card compulsory for existing insurance policies?

    by iciclombard 01 | Oct 09, 2023

    There have been numerous petitions received by the Supreme Court challenging the constitutional validity of Aadhaar. The world’s largest biometric identification database has been mired in privacy concerns, amid fear that data of millions of Indians may be compromised.

    All these concerns have led the Supreme Court to come out with an order that extends, indefinitely, the deadline for linking Aadhaar with various services such as existing bank accounts and health insurance policy.

    Why is KYC done when buying an insurance policy?

    Know Your Customer (KYC) is a mandatory process in financial transactions, including insurance. It ensures transparency, prevents fraud and verifies the identity of policyholders.

    Key Reasons for KYC in Insurance:

    • Prevents identity theft and fraudulent claims.
    • Complies with government regulations.
    • Ensures that the benefits of insurance reach the rightful policyholder.
    • Helps insurers assess risk and issue appropriate policies.

    When purchasing a health insurance policy, KYC documents such as a PAN card, voter ID, passport or Aadhaar may be required for verification.

    Why was Aadhaar linked to insurance policies earlier?

    In 2017, the government made it mandatory to link Aadhaar with financial services, including insurance policies. The primary reasons for this move were:

    • To streamline the identification process and eliminate duplicate or fake policies.
    • To curb money laundering and fraudulent claims.
    • To improve efficiency in claims settlement and reduce paperwork.

    However, the Supreme Court later ruled that Aadhaar linking cannot be mandatory for services other than government subsidies. As a result, its requirement in insurance policies was reconsidered.

    Is Aadhaar mandatory for existing insurance policies?

    Making its stance clear, the insurance regulator IRDAI (Insurance Regulatory and Development Authority of India) has said that Aadhaar is not required to buy an insurance policy. It released a circular that stated, “In view of the order of the Hon’ble Supreme Court of India for existing insurance policies, the date of linking Aadhaar is extended till the matter is finally heard and the judgment is pronounced by Hon’ble Supreme Court of India”.

    Further to this, IRDAI said that customers buying new insurance plans will be given 6 months from the date of the policy to submit their Aadhaar number, failing which, they will need to submit any “officially valid documents” as mentioned in the Prevention of Money-Laundering (Maintenance of Records) Rules, 2005.

    The “officially valid documents” consist of driving license, passport, PAN card, and voter identity card among others. All of these documents, except the PAN card, can serve both as photo and address proof.

    How to link Aadhaar with insurance policies - online and offline

    While Aadhaar linking is optional, some policyholders may prefer to use it for convenience. Here’s how you can link Aadhaar to your insurance policy.

    Online Process:

    1. Visit the insurer’s website and log in to your account.
    2. Go to the Aadhaar linking section in the customer portal.
    3. Enter your Aadhaar number and verify it with an OTP sent to your registered mobile number.
    4. Submit the request and wait for confirmation from the insurer.

    Offline Process:

    1. Visit the nearest branch of your insurance provider.
    2. Fill out the Aadhaar linking form and provide a self-attested copy of your Aadhaar card.
    3. Submit the form along with other KYC documents.
    4. Receive confirmation after verification.

    Conclusion

    Aadhaar is no longer mandatory for insurance policies, including a health insurance policy or any other form of coverage. However, it remains a valid and widely accepted KYC document. Policyholders have the choice to link their Aadhaar voluntarily for ease of transactions. Whether it is for your individual health insurance or health insurance policy for family, keeping updated with regulatory changes and ensuring compliance with KYC norms will help you maintain a seamless insurance experience.


    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.

  • Causes Of Gastritis

    by icicilombard 002 | Oct 09, 2023

    Gastritis is made up of two words- gastro, meaning stomach, and itis, which means inflammation. In this condition, the protective lining of the stomach becomes inflamed. This condition can be acute and occur suddenly in severe form. In chronic form, gastritis can exist for years if not treated. Erosive gastritis is less common but serious and can lead to bleeding and ulcers. The formation of ulcers and cancer of the stomach can occur if this condition is not treated on time. It is important to know the causes of gastritis to understand the condition better.

     

    How is Gastritis Caused?

    Gastritis can occur if the protective lining of the stomach becomes weak or damaged. It can be categorized as erosive or non-erosive. In erosive gastritis, erosion of the stomach lining and the formation of ulcers occur, while in non-erosive gastritis, irritation or reddening of the stomach lining occurs. Given below are the main causes of gastritis as well as the causative factors that increase the risk of gastritis.

    • Infection with Helicobacter pylori (H. Pylori): H. pylori bacteria is the causative agent for infectious gastritis. This bacteria grows in the mucous lining of the stomach and causes inflammation. H. pylori infection can spread through food, water, and contact with infected people.
    • Excessive alcohol consumption: Chronic consumption of alcohol can irritate and inflame the stomach lining. Alcohol consumption can also increase the secretion of stomach acid, which can further harm the stomach lining.
    • Use of pain relievers like non-steroid anti-inflammatory drugs (NSAIDs): NSAIDs can increase the permeability of the gastric membranes, neutrophil infiltration, and production of oxygen-free radicals, which can increase the risk of gastritis.
    • Autoimmune disorders: Chronic inflammation can also result from autoimmune disease, where immune cells start attacking their own cells.
    • Stress: Acute gastritis can result from major surgical procedures, injury, severe infections, or burns.
    • Ageing: In older adults, the stomach lining becomes thin, which increases the risk of gastritis. Apart from a thinner lining, the chances of H. pylori infection and autoimmune disorders are high in older adults.
    • Cancer treatment: chemotherapy or radiotherapy to treat cancer can also make the stomach lining thinner and more vulnerable to ulcers.
    • Other causes of gastritis include viral infections, fungal infections, tobacco use, digestive disorders like Crohn’s disease, bile reflux, and reduced blood supply.
  • Causes of Brain Fever

    by icicilombard 002 | Oct 09, 2023

    Brain fever, also known as Encephalitis, is a condition that can be frightening and life-threatening. This condition strikes the brain and causes inflammation, which can cause seizures, fever, and in severe cases, lead to a coma. There are many causes of this condition such as a viral or bacterial infection, parasites or fungi, and sometimes even autoimmune diseases. In this article, we will go over the common causes of brain fever:

    How is Brain Fever Caused?

    Brain fever is caused by a number of different agents, including:

    • One of the most common causes of brain fever is a viral infection. The herpes simplex virus is one of the most common causes of the condition and can lead to inflammation of the brain. Another common virus that can lead to this condition is the West Nile virus, which can be transmitted through mosquito bites. These viruses can lead to a wide range of symptoms such as headaches, fever, confusion, and seizures. Sometimes these symptoms may be mild, and other times they can be severe and even life-threatening.
    • Bacterial infections can also lead to Encephalitis. One of the most common bacterial infections to cause this condition is Streptococcus pneumonia. This bacteria can lead to meningitis (inflammation of the brain membranes) and can in turn lead to inflammation of the brain. This condition can present with symptoms such as fever, stiff neck, severe headache, and sensitivity to light. It is important to treat bacterial infections quickly to prevent bacterial spread and reduce the risk of serious complications.
    • Parasites and fungi can also lead to Encephalitis. One such parasite is the Nematode worm, which can cause eosinophilic meningitis leading to brain fever. Fungal infections such as Aspergillosis can also result in Encephalitis, especially in people who have weakened immune systems. These infections can cause symptoms such as seizures, confusion, and difficulty thinking.
    • In some cases, Encephalitis can be developed due to autoimmune diseases such as Lupus or Sjogren's syndrome. These conditions lead to the immune system attacking healthy cells in the body, resulting in brain inflammation. Symptoms of autoimmune Encephalitis can include hallucinations, difficulty with coordination, personality changes, and memory problems.
  • Causes of Influenza

    by icicilombard 002 | Oct 09, 2023

    During the colder months, many of us find ourselves dealing with the unpleasant side effects of influenza, or “the flu.” Highly contagious and sometimes dangerous for those whose immune systems are already compromised, influenza affects people all over the world. It is important that we understand what causes it in order to minimise our risk and protect ourselves and our families from becoming sick. In this article, we will discuss some common causes of influenza as well as some measures you can take against this illness.

     

    How is Influenza Caused?

    Influenza is caused by different types of viruses, which are classified into four distinct types: influenza A, B, C, and D. This is can be caused by several ways including the following:

    • The transmission of influenza typically happens through person-to-person contact, predominantly via respiratory droplets produced when individuals infected with the flu sneeze, cough, or engage in conversation. The airborne droplets have the potential to infect others within a radius of approximately 6 feet.
    • Although less frequent, an alternative route of transmission involves indirect contact, where the flu virus lingers on objects or surfaces. If an individual touches a contaminated surface and subsequently makes contact with their mouth, nose, or eyes, they may become infected.

    Even before symptoms could typically manifest, most healthy adults can transmit the virus to others. The timeline is up to seven days post-onset of symptoms. Individuals with weakened immune systems or children may remain contagious for an even longer duration. Typically, flu symptoms commence approximately two days after the virus gains entry into the body.

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