There are two types of personal accident insurance policies: individual and group accident insurance. A personal accident insurance policy protects from partial or permanent disability, including death. In case of permanent disability and accidental death, the insurer compensates the insured or their family for the sum-assured coverage. 

Types of Personal Accident Insurance

The types of personal accident insurance policy include individual and group accident insurance. 

• Individual accident insurance policy covers the accidental death of an individual or loss of vision or limbs following an accident. 
• Employers avail of a Group Accident Insurance plan for their employees. This plan offers:
• Accidental Death Cover: The sum assured goes to the nominee.
• Permanent Disability Cover: The policyholder receives a pre-determined sum.
• Permanent Partial Disability Cover: The insured receives 100% benefit of the sum assured.
• Temporary Total Disability: The policyholder receives a pre-agreed amount for total disability for a temporary period.

Conclusion

You should purchase a personal accident insurance policy along with health insurance right away for the welfare of your family. Choosing the correct personal accident insurance depends on individual needs, risk exposure, and financial goals. Carefully review policy details, coverage limits, and exclusions for adequate protection.

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.

Are you wondering what is deductible in top-up health insurance? A deductible is the amount you pay out of pocket for medical services before your insurer begins covering the costs. Deductibles differ based on insurance plans. Once you’ve paid the deductible in full, your insurance company will share or fully pay the expenses of your healthcare needs.

What are the Coverages Under Personal Accident Policy?

A personal accident policy covers several aspects, and they include:

• Road traffic accidents
• An injury or accident that takes place at the workplace
• Permanent or total disability as the result of an accident
• Injuries caused by someone’s violent action
• Loss of body part(s) or the inability to fully use them
• Injuries caused by spillages, slips, and falls

You may also receive coverage for medical expenses related to your accident, such as physiotherapy. Depending on your lifestyle and needs, some policies could be more flexible and include other scenarios. If the policyholder dies in an accident, the nominee will receive 100% of the insured amount as compensation.

Conclusion

A deductible in top-up health insurance is a predefined amount that has to be paid out-of-pocket before the top-up policy provides coverage. It helps in managing premiums and provides additional protection for high medical costs. This facet makes it a valuable addition to a comprehensive health insurance plan. Understanding how the deductible works and choosing the right amount can optimise the benefits of top-up health insurance.

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.

Accidents can occur anytime and without warning and personal accident insurance can provide financial protection when needed. The question is, what does a personal accident policy cover? Most of us know it is a valuable addition to an individual's insurance portfolio, offering support when unexpected events occur.

What are the Coverages Under Personal Accident Policy?

So, what is covered by personal accident insurance? PA insurance typically covers:

• Accidental Death: Provides a lump sum benefit to the policyholder's beneficiaries if the insured dies in an accident. 
• Permanent Total Disability: Pays a lump sum benefit following a permanent total disability (PTD) to the insured that prevents them from working. 
• Permanent Partial Disability: Offers a benefit if the insured sustains a permanent partial disability (PPD) from an accident, such as loss of limb, sight, or hearing. 
• Temporary Total Disablement: Provides a weekly or monthly benefit if the insured cannot work temporarily following an accident-related injury. 
• Medical Expenses: Reimburses medical costs incurred from treatment of injuries sustained in an accident. This can include hospital stays, surgeries, medications, and other necessary treatments.
• Ambulance Costs: This often includes insurance to cover the costs of taking the patient in an ambulance to the hospital following an accident.
• Child Education Benefit: If the insured’s death or permanent total disability is caused by an accident, this benefit will cater to the education of their dependent children.

Conclusion

Now, we are better positioned to answer the question, “What does a personal accident policy cover?” Personal accidental insurance can provide significant financial support in the wake of an accident. It covers various expenses to ensure your and your family’s financial protection. Furthermore, you can opt for a comprehensive health insurance policy to alleviate further stress stemming from additional financial duress. Here’s to a happy life ahead!

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.

Have you ever wondered why your vision is getting blurry or why lights seem to have halos around them? Well, these could be symptoms of keratoconus, an eye condition whereby the cornea, the transparent front part of your eye, becomes thin and bulges into a cone shape. Keratoconus causes significant visual disturbances and discomfort, given the progressive thinning and bulging of the cornea. Such an abnormal shape of the cornea leads to various visual problems.

What are the Symptoms of Keratoconus?

Keratoconus usually affects both eyes, though one eye gets often more severely affected. The symptoms present varying characteristics depending on the stage. However, the following are some common keratoconus signs and symptoms to watch out for:

Visual Symptoms:

1. Distorted Vision:

• Blurry Vision: Objects may appear blurry and out of focus. The most noticeable early sign of keratoconus is this gradual worsening of vision.
• Double Vision: Some individuals see double visions (diplopia) or ghost images through one eye.
• Worsening Near or Far Vision: Both near and distant vision can worsen over time.

2. Increased Sensitivity to Light:

• Photophobia: Sensitivity to bright lights, making it difficult to see in well-lit environments.

3. Glare and Halos:

• Glare: Bright lights may cause an intense glare, especially at night.
• Halos: Rings or halos around lights are a common symptom, particularly in low-light conditions.

4. Frequent Changes in Prescription:

• Unstable Vision: Frequent changes in eyeglass or contact lens prescriptions are often needed as the shape of the cornea changes.

Besides these visual symptoms, an individual affected by keratoconus may also experience physical symptoms. They include eye strain, discomfort, and fatigue from trying to focus on objects. The regular use of contact lenses can also cause irritation or discomfort in the eyes. Another symptom is called irregular astigmatism, or distorted vision, given the uneven surface of the cornea. Furthermore, the cornea may get scarred in advanced stages, further impairing vision and making corrective lenses less effective.

Conclusion

If you develop any of these symptoms, you should consider visiting an ophthalmologist immediately. Early detection and treatment can help manage the symptoms of keratoconus, thus improving your vision. Treatments range from glasses and contact lenses to corneal cross-linking or in severe scenarios, corneal transplants. Take good care of your vision, and do not hesitate if changes occur. Additionally, having health insurance can help cover the costs of necessary treatments and ensure you receive timely care.

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.

When we enjoy a drink, our body experiences a range of effects that provide momentary pleasure. But how does alcohol affect the brain? Read on to understand the impact of indulging in an alcoholic drink.

How Alcohol Impacts the Brain

It is important to understand how alcohol damages the brain to develop responsible drinking habits. This awareness can also help you prioritise your health in the long term.

• Temporary Effects: Alcohol may appear to improve your mood at first because it increases levels of corresponding mood hormones like dopamine. However, it also quickly starts to cloud memory, influence speech, affect balance, and impair judgment. Consequently, things that you usually find simple to do appear to be momentous and difficult, if not dangerous.

• Effect on Neurotransmitters: Research has long been concerned with understanding how does alcohol change the brain. After consuming alcohol, the brain’s neurotransmitters no longer function optimally. Reflexes become slower, and the response to stimuli appears less sharp.

• Disturbed Sleep: Contrary to popular belief, alcohol actually interferes with the natural sleep cycle. After drinking, you find that you are unable to experience deep sleep. Drinking without recognising how alcohol affects the brain may lead to poor sleep and groggy mornings.

• Long-Term Changes: More severe changes can occur as a result of persistent alcohol use. For instance, a reduction in brain cells and a shrinking of brain tissue have been associated with heavy alcohol usage.

• Effect on Cognitive Abilities: You may find it difficult to reason and make sound decisions if you drink alcohol on a regular basis. Cognitive capacities such as attention, memory, and problem-solving ability may be adversely impacted.

• Mood and Behaviour: Alcohol can influence a person’s emotional state and actions. Frequent alcohol consumption is linked to a wide range of negative emotions, including anger, melancholy, and mood swings.

• Addiction: The brain can develop a reliance on alcohol if it is forced to adapt to regular consumption. Once addiction sets in, it becomes hard to control one’s drinking. Other issues with brain health are also exacerbated by addiction.

• Effects on Mental Health: Alcohol may cause existing problems with mental health to worsen. Individuals may sometimes fall victim to a self-perpetuating loop of drinking to alleviate symptoms when it is alcohol that is making them worse in the long run.

• Risk of Permanent Damage: Severe cases of alcoholism can cause permanent brain damage and disorders like Wernicke-Korsakoff syndrome, a debilitating brain disorder marked by memory lapses and cognitive decline.

Conclusion

It is wise to wonder how does alcohol affect brain function before choosing to drink. There are a number of short and long-term effects of alcohol that could seriously affect your health. If you begin noticing the symptoms of severe alcohol usage in yourself or a loved one, you may stand to benefit from acquiring a health insurance plan to access affordable treatment plans and begin your journey of recovery.

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.

A report indicates that more than 40% of the elderly in India live with poor wealth, and 18.7% are void of any income sources. The statistics highlight the grim situation of geriatrics in India. The young generation has the responsibility to choose the best medical insurance for senior citizens in India, be it their parents or grandparents. Senior citizen health insurance is tailor-made to provide a financial cushion to people over 60 who need frequent medical assistance. Stay glued to learn more about the best health insurance policy for senior citizens in India.

Checklist to Purchase the Best Health Insurance Plan for Senior Citizens in India

Here are the key considerations when choosing the best senior citizen health insurance policy in India:

• The health insurance plans usually provide coverage for pre-existing diseases but with a waiting period that can range up to 4 years. Until then, the policyholder cannot claim reimbursement for their treatment. Therefore, prioritise a policy with a smaller waiting period.
• One of the best health insurance companies in India for senior citizens is the one associated with an expanded network of hospitals so that you can rush to the nearest hospital during an emergency.
• Choose a policy providing a free medical check-up facility.
• It should cover the cost of treatment at home.
• Since the premium of senior citizen health insurance is already high, look for a policy with lifetime renewability so that you do not have to spend much on buying new policies every time.

Best Medical Insurance Plans for Senior Citizens

Conclusion

Health insurance is the sine qua non for senior citizens, considering their age and the health ailments common to their age. Compare the best insurance plans for senior citizens and choose the one that suits your parents the best.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

Do you find the constant reminders from the insurance company asking you to renew your health insurance plan annoying? If yes, then for all the wrong reasons. The reminder is much needed to continue enjoying the benefits of the existing policy. Renewing the policy before it expires ensures uninterrupted health coverage and saves you from paying a higher premium. The online policy renewal process is quite explicit and hassle-free. Read on to learn more about the benefits of policy renewal before expiry and the ensuing health insurance renewal rates.

Things to Remember During Your Health Insurance Policy Renewal

Renew Your Health Insurance Plan Before the Due Date

It would help if you renew the health insurance plan before the deadline. If you fail to do so, the benefits under the policy will cease immediately. However, a grace period of thirty days is given to extend the policy. The health cover is not applicable during the grace period. The policy is terminated if you don’t renew it even during the grace period.

Review Your Health Insurance Requirement

Reconsider your insurance requirements while renewing the policy and tweak it accordingly. You can opt for a higher insurance amount, add or remove the members insured in the policy, or mull over having some add-ons in the policy. If you wish to switch the policy, apply for migration to another health insurance plan at least thirty days before it terminates. You can even avail of the continuity benefits during the waiting period if you have been previously continuously covered by the health insurance plan offered by the company.

Revise the Sum Insured Under Your Health Insurance Plan

The higher the sum insured, the greater your ability to claim the amount during distress. Suppose your insured sum amounts to Rs. 2 lakh and your mother is diagnosed with some serious illness. If each hospitalisation demands Rs. 40,000, the entire sum will be exhausted in five consultations, leaving you vulnerable to out-of-pocket expenditure. Therefore, while renewing the health insurance plan, revisit your present and future expenses.

Disclose Any New Illness or Medical Condition

You should maintain transparency regarding diseases with the insurance company to ensure a smooth and hassle-free claim settlement process. Though the insurance company provides coverage against pre-existing ailments, the waiting period is usually 2-4 years. The revelation of new medical conditions may cause you to pay a higher premium, but it is crucial to claim your assured sum. The insurance company can even take legal action against you for breach of trust if you don’t disclose the correct information.

Check for Changes in the Terms & Conditions of Your Health Insurance Plan

Check the terms and conditions of your policy cautiously while renewing your health insurance plan. If your insurance company tweaks any of the conditions, it will communicate the changes to you three months before their implementation. Remember that the insurer is liable for payment only if you fulfil their terms and conditions. 

Inform Your Family About the Policy Changes

Keep your family in the loop regarding the changes in your policy, be it migration or portability. It helps them make the right choice during emergencies. It also saves them from financial distress if anyone from the family raises an immediate health concern. Provide the policy details to every insured person in your family so that they can take the right action at the right time.

Online Process for Health Insurance Renewal

Here is the process to renew your health insurance plan online:

• Visit the website of your insurance company, say, ICICI Lombard.
• Go to the ‘Renewals’ section of the website’s menubar and choose health policy.
• Enter the policy number or your mobile number to proceed.
• A form with the pre-filled details appears on your screen. Make the necessary changes wherever required.
• Once you review the details, proceed to pay the premium.
• On successful payment, you will receive a confirmation message and a digitally signed copy of the renewed policy.
• Secure the policy document for all future references.

Conclusion

So, the next time the policy renewal reminder pops up on your mobile, do not throw the message into the trash. Act on it immediately and apply for your health insurance plan renewal to continue enjoying the health benefits and tax waiver. The premium paid is not subject to income tax and can be claimed under Section 80D while filing an Income Tax Return (ITR). If you are still not convinced enough, gear up for re-application and rigorous medical checkups, along with a higher dent in your pocket in the form of increased premiums.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

The nature of accidents is such that they come stealthily and depart swiftly, leaving many in tears behind them. Personal accident insurance is efficacious in such situations. The primary purpose of this is to compensate the family in the event of an accidental death or disability. Read on to learn more about the features of personal accident insurance.

What are the Features of Personal Accident Insurance?

 The characteristics of personal accident insurance are:

Accidental death of the policyholder

In the event of death due to an accident, the insurance company pays the insured amount to the nominee or the dependents of the deceased. For instance, if somebody has taken personal accident insurance of Rs. 50 lakh and unfortunately passes away in an accident, irrespective of whether it is a major or minor accident, the company will pay Rs. 50 lakh to his dependents as compensation. However, the policy does not provide coverage against death due to childbirth or a complicated pregnancy.

Permanent partial disability

If an accident renders any of your body parts, say a thumb, incapacitated, the insurance company compensates a certain percentage of the sum insured according to the disability, as pre-defined in the insurance policy. If the rate is not already defined,  compensation is provided based on the medical certificate prepared by the doctor. The sum is either provided in installments or paid at once.

Permanent total disability

Any major accident can cause a disability of a permanent nature, rendering a body part entirely useless, such as loss of eyesight, hands, or limbs, a paralysis attack, or leading to coma. Such accidents can leave a person unemployed for their entire lifetime, causing financial upheaval in the family. In such cases, the insurer provides the insured sum to the dependents.

Temporary total disability

Few accidents cause disability for a specific period, and there is hope of a complete recovery. Such incidents are categorised as temporary total disabilities. The company provides compensation every week to the policyholder until final recovery. The sum paid is determined based on the severity of the injury. However, if the policyholder harms himself intentionally, the insurer is not liable to pay a single penny.

Accidental hospitalisation coverage

A few policies also compensate for hospitalisation due to an accident. The insurance company bears the expenses during treatment, including the doctor's consultation fee. Pre- and post-hospitalisation charges are also included. The features are very similar to those provided in a health insurance plan.

Ambulance charges and coverage for carriage of dead body

One of the noteworthy features of personal accident insurance is the coverage of ambulance charges for carrying the insured from the location of the accident to the hospital. Unfortunately, if the policyholder passes away during this time, a certain percentage of the sum insured is provided over and above the insured amount to carry the dead body home.

In addition to the above features of personal accident insurance, the insurer also pays for the children's education. Compensation is provided for alteration in the house to ensure the mobility of the insured suffering total disablement. Other add-ons in the policy provide an option of loan repayment by the insurer in the event of the sudden demise of the insured.

Conclusion

The premium for personal accident insurance varies as per the profession of a person. For instance, a teacher has fewer chances of breaking legs than a mountaineer and, therefore, will pay a lesser premium. Ensure that you check out all the features of personal accident insurance and make a wise investment.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

One can never predict when a medical emergency will happen. Having a personal accident and medical insurance policy will help you cover the expense of medical care during such unfortunate situations. However, both differ in the coverage they provide.

A health insurance policy offers comprehensive coverage for healthcare costs incurred during hospitalisation and treatment.  Personal accident insurance only pays out in circumstances like loss of life, disability, or injuries due to an accident. All health insurance plans cover hospitalisation and treatment expenses for injuries sustained during an accident but don’t provide compensation for death or disability due to the mishap.  So, if one needs to cover such situations, they need to purchase personal accident insurance with their health policy.

When you are searching for health insurance policies, you may come across the term sickness insurance. Both the terms are used interchangeably most of the time. However, they are entirely different. Sickness insurance provides monetary benefits in the event the policyholder gets diagnosed with a disease that can lead to permanent disability or inability to work temporarily. When you are planning to buy a policy, it is necessary to understand what is personal accident and sickness insurance, as well as health policy. This will help you choose the right one according to your needs.

What is the major difference between health insurance and personal accident insurance?

Many choose to have both health and personal accident insurance to ensure that they are protected against all possible health and accident risks. The latter is more targeted and offers particular benefits in the event of unintentional injuries or fatalities, whereas the former covers all health-related needs, including illnesses and certain accident cases.

The major differences between health insurance and personal accident insurance are as follows:

Conclusion

In the event of an accident, personal accident insurance offers benefits including disability payments or lump-sum payments for death or serious bodily harm. This provides financial security to the insured and his family. By covering medical expenses health insurance ensures financial stability during times of treatment and hospitalisation. 

When combined, personal accident and health insurance provide a complete safety net against health-related risks.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

Getting health insurance coverage is the most important decision you can make for your family. A family health insurance plan covers your family’s near future and current health expenses. By purchasing this policy, you ensure that your family’s and your interests are protected in the case of a medical emergency. Family health insurance plans cover all your family members' healthcare needs in a single policy, thus protecting against hefty hospital bills.

How Much Health Insurance Should You Buy for Your Family?

The amount of health insurance coverage you should buy for your family will depend on various aspects such as the number of members in your family, your income and spending, and your family’s healthcare needs. If there is a medical history of some kind of illness in your family, it is important to get covered for these health conditions. This may help you in getting a higher sum insured. You should keep in mind your family member’s age when planning to buy a health insurance plan for your family. If you have young members in your family, the chances of illness are less, so,  you can opt for a medical care plan with low coverage. However, if your family comprises elders, you may need higher coverage. You can evaluate your past medical expenses to know how much health insurance you should buy for your family.

Is 3 Lakh Health Insurance Enough for Your Family?

With a ₹ 3 lakh health insurance plan you get coverage on an indemnity basis. If the policyholder files a claim for medical expenses or hospitalization, it will provide them coverage for some part of the medical expenses. Under this plan, the maximum amount that the insurer will cover will be ₹ 3 lakhs, which is your sum insured. The policyholder will have to pay a premium for the coverage provided by the insurance company.

Health insurance of ₹3 lakhs is apt for families with young individuals or those who fall in a low-income level. This plan can also be the right choice for those who are on the lookout for basic plus top-up plans. This type of health insurance policy is available both on a family floater and individual basis.

Conclusion

A 3 lakh health insurance is a budget-friendly plan offering access to timely medical care and comprehensive health coverage during an emergency.  Under this policy, the insurance company will cover hospitalisation expenses and up to ₹ 3 lakhs of other covered medical expenses in exchange for a premium that you have to pay. Before opting for 3 lakh health insurance for your family, you should keep in mind your age, income level, health condition, and the type of hospital you choose for your treatment.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

The Ayushman Bharat Health Account (ABHA) card is an efficient healthcare system that safeguards your health information. It contains a 14-digit identification number—ABHA ID—and is a virtual repository of vital health information. Read more to learn how to make an ABHA card.

How to Create an ABHA Card or Health ID Card?

Here are the steps to follow to create a health card and how to apply for it now:

• Visit the ABHA website https://abha.abdm.gov.in/abha/v3/ and ‘create ABHA number’.
• Choose either an Aadhaar or another identity card to generate the ABHA number.
• Enter your details to go through the declaration.
• After carefully reading the declaration, select ‘I Agree’ and enter the OTP sent to your registered mobile number.
• Next, hit ‘submit’, and it will successfully generate the ABHA ID number.

Conclusion

It is easy to learn how to create an Ayushman card online. ABHA offers a safe and secure platform for storing health information. Additionally, ensure you have proper health insurance along with your ABHA card for comprehensive coverage.

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.

The Ayushman Bharat Digital Mission was launched in September 2021 by the National Health Authority to improve the availability, accessibility, acceptability, and affordability of healthcare through virtual more. The Government of India intends to develop an integrated digital health infrastructure for India through ABDM health card benefits. Let us better understand the benefits of the Ayushman Bharat Digital Mission. 

Major Benefits of Ayushman Bharat Digital Mission

The key benefits of Ayushman Bharat Digital Mission you must know are listed below:

• Better access to healthcare services through a strategic blend of healthcare services and digital technologies. Patients can access their health records from anywhere in India.
• Encrypted health records ensure the safety and security of your health information and restrict unauthorised access.
• Easy access to ABDM EMR (Electronic Medical Report) online.
• Significant reduction in patients’ waiting time, travelling time, cost, and associated expenses with online teleconsultation and pharmacy.
• Unique Health ID (UHID) under ABDM enables centralised management of health records, making it convenient for doctors to diagnose, advise, and treat patients across India.

Conclusion

The ABDM transcends mere policy. It is an upgrade to the Indian healthcare system. Embracing a comprehensive healthcare approach with health insurance guarantees that top-notch medical advice and essential medications are always a moment away.

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.

Life is unpredictable, and unexpected events such as accidents can bring about substantial financial, emotional, physical, and psychological challenges for you and your loved ones. Term insurance and accident insurance are products designed to support you through difficult times and offer peace of mind. We'll examine the difference between term insurance and accident insurance to help you make an informed decision tailored to your needs.

Difference Between Term Insurance and Personal Accident Insurance

There exists a significant difference between personal accident and term insurance. The two are compared below:

Conclusion

Terms and conditions of term and personal accident insurance can vary from insurer to insurer. Browse comparison websites for the best health insurance policies, consult an insurance advisor, and make an informed decision to secure yourself against financial shocks during the unplanned events of your life. Get insured today for a safe tomorrow.

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.

Campylobacteriosis, caused by the Campylobacter bacteria, is a common foodborne illness leading to stomach cramps, diarrhoea, and fever. This blog explores the treatment of campylobacteriosis, covering various aspects of care and recovery to help you understand how to handle campylobacter treatment.

Before we discuss campylobacter infection treatment, let us give a quick brief on what it is.

What is Campylobacteriosis?

Campylobacteriosis is caused by one of several species of Campylobacter bacteria, particularly Campylobacter jejuni. The most common symptom of this infection is diarrhoea. It is also possible for the infection to cause fever and abdominal cramps.  

Humans are usually infected with Campylobacter after eating poorly prepared meat, particularly undercooked chicken. One of the most common causes of foodborne illness is Campylobacter.  

The immaturity of the immune system makes infants particularly susceptible to campylobacteriosis. There is also a greater risk of infection among young adults, perhaps due to a lack of experience with cooking and handling raw meat. Therefore, they may be exposed to potentially contaminated foods on a more frequent basis.  

What is the Treatment of Campylobacteriosis?

Here are some important points surrounding the treatment of campylobacteriosis

• The primary objective of treating Campylobacter-related diarrhoea is to replace lost body fluids and electrolytes (chemical substances involved in a variety of bodily functions).
• Dehydration may occur if you have severe diarrhoea. Your doctor will prescribe oral or intravenous fluids to treat your dehydration.  
• Since Campylobacter infections are usually self-limited, your doctor may not prescribe an antibiotic if you are otherwise healthy.
• Azithromycin (Zithromax) should be the first choice when considering campylobacter infection treatment. While most strains will respond to fluoroquinolones, such as levofloxacin or ciprofloxacin, antibiotic resistance and side effects are more common with these antibiotics. 
• Your doctor may recommend loperamide (Imodium, generic versions) or another antidiarrheal medication to reduce diarrhoea. 

Conclusion

For effective treatment of campylobacteriosis, prompt medical attention and proper treatment are essential. In order to recover from an illness, antibiotics, hydration, and rest are crucial. Nevertheless, prevention remains the best course of action. The practice of food safety and proper hygiene can help reduce the risk of this illness, ensuring a healthier and safer future for everyone. Additionally, having comprehensive health insurance can help cover medical expenses during treatment, ensuring peace of mind.

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.

Also Read:

• How to Protect Yourself from Vector-Borne Diseases?
• Treatment for Pelvic Inflammatory Disease
• What Is Endometriosis Disease In Women's?
• Symptoms of Addison Disease
• Pre-existing Diseases Clause in Health Insurance Plans

Humans have got many diseases from animals and Echinococcosis Disease is one such disease. The disease is parasitic in nature and comes from the tapeworm of the Echinococcus genus. Echinococcus cyst treatment is possible but it is rather expensive and causes a lot of impact on the overall health of the infected person as well.

What is the Treatment of echinococcosis?

The echinococcus granulosus treatment is possible but it involves expensive surgeries and drug therapy which can stretch over time. Let us understand it in detail -

• Generally, the process starts by taking ultrasound imagery. For Echinococcus liver cyst treatment, ultrasound can be taken more than once. The same is true with the case of Echinococcus granulosus treatment. It allows the doctor to have a clear picture of the infection so they can decide the way forward.
• The first step in treatment is called PAIR in which four steps are done. These are Puncture, Aspiration, Injection, Re-aspiration. Doctors puncture the skin and cyst remove the liquids, and inject the cyst.
• It can be followed by extensive surgical processes to remove the cysts in case PAIR results present a result that makes surgery necessary.
• The surgery is followed by a long time of drug therapy. Anti-infective drugs are given to the person undergoing treatment.
• After this, it just becomes a matter of waiting and watching to see if things work out or if further treatment is needed.

Conclusion

While prevention is always the best possible approach, echinococcus cyst treatment is very much possible and this is a cause of hope and strength for anyone with this problem. Though they have to be ready for a long-drawn treatment regimen, when it all ends, they will get fully cured and be able to live a healthy life. It's important to check if your health insurance covers the costs of such extensive treatments, as it can involve significant medical expenses.

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.

Also Read:

• Common Symptoms of Celiac Disease
• Understanding Chronic Kidney Disease Treatment
• Preventing Chronic Obstructive Pulmonary Disease
• How to Prevent Addison's Disease?
• What Causes Addison's Disease?

Giardiasis disease, also called lambliasis is a type of diarrhoeal disease which can be a very concerning health issue, especially if it becomes severe. Its symptoms can cause a lot of uneasiness and discomfort to anyone who gets infected by the Giardia parasite. However, the good part is that giardiasis treatment is not only possible but very simple and easily affordable. Medicines are easily available and are very effective.

What is the Treatment of Giardiasis?

Giardiasis is easily treatable and the process is very simple and non-invasive. You do not have to worry about any painful or costly surgery and in most cases, even hospitalisation is not needed either.

• The most common medicine for giardiasis treatment is Metronidazole. It is a highly effective antibiotic and is known to work well among most people. Its treatment can have rare cases of side effects like a metallic taste in the mouth or a feeling of nausea.
• In case of Metronidazole not being available, the second option for lamblia treatment that is being recommended by doctors is Tinidazole. This is also an effective antibiotic. It can cause side effects like the one above but its advantage is that it can be taken in a single dose.
• Since both the above medicines are available in the form of tables, they are not really a choice for small children. Since a number of children get infected and need lamblia treatment, they are given Nitazoxanide which is available in liquid form.

Conclusion

Just because giardiasis treatment is easily manageable, does not mean that we can act careless with regard to hygiene. As a disease, it can be very inconvenient even if it may not be expensive. Prevention is better than cure so all of us must maintain proper hygiene at all times including washing hands regularly and consuming clean food and water. Additionally, checking if your health insurance covers such treatments can help you stay financially prepared for unexpected medical needs.

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.

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Haemophilus influenza is a bacterial disease that causes various infections in the human body. Infections can manifest in multiple forms; these could include infections in the ear, bloodstream, lung, and skin, swelling in the throat, and inflammation of the joint. This ailment affects children up to age 5 and adults who are immunocompromised, like those with specific medical issues.

What is the treatment of Haemophilus?

Haemophilus influenzae treatment depends primarily on the type of infection. The most commonly used h influenzae treatment is antibiotics. Medical practitioners can prescribe antibiotics such as Ceftriaxone, Cefuroxime, and Cefotaxime. Doctors administer antibiotics orally to treat other infections. They include Amoxicillin, Azithromycin, Omadacycline, Lefamulin, Clarithromycin and Cephalosporins. There are certain Haemophilus influenza treatments administered in hospitals, such as the following:

• Breathing support through intubation or face mask oxygen
• Medication for low blood pressure
• Wound care for damaged skin
• Intravenous steroids
• Surgical drainage for septic arthritis

You can prevent Haemophilus influenza disease with HiB vaccine for children under 2 years old. Children can receive the shots in three or four doses. The series of doses is completed between 2 and 15 months.

Haemophilus disease's best prevention method is to get the vaccination. The most commonly used treatment for this disease is antibiotics in the case of adults.

Conclusion

Haemophilus influenzae can turn fatal if left untreated. Hence, timely medical intervention is of primary importance when it comes to the treatment of Haemophilus influenzae. You should immediately visit the hospital when you see any symptoms in your child or yourself of Haemophilus influenzae. Receiving timely Haemophilus treatment increases your chances of survival and recovery. You can prevent unexpected medical expenses for treatment through proper planning and by ensuring you have adequate health insurance coverage to support your needs.

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.

Also Read:

• Symptoms of Pelvic Inflammatory Disease
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Yes, rotavirus is very contagious. It is one of the most common causes of severe diarrhoea in younger children, especially infants. Rotavirus is easily transmitted from one person to another, especially in places like daycare, schools and hospitals where kids are closely confined to each other.

Fever, vomiting, and watery diarrhoea are some symptoms of rotavirus infection, which can also lead to dehydration. Hence, parents ought to know how the disease gets infected and for how long children are infected.

Is Rotavirus Communicable?

Rotavirus is an infection that can easily spread from one person to another. The infected person excretes the viral particles in their stools, with the highest concentration occurring in the acute phase of the illness.

But how long is rotavirus contagious? The rotavirus can survive on surfaces for several days and is easily transmitted to people who might touch a surface or object that has been infected and then touch their face or mouth. Where children congregate, rotavirus is known to spread rapidly within the population, increasing the chances of an outbreak.

How Does Rotavirus Spread?

Let’s learn about how rotavirus is transmitted:

• Rotavirus mainly transmits via the fecal-oral route.
• This virus goes from an infected individual’s stool to another person.
• People can also get it if they come into contact with infected surfaces or handle infected things such as toys and food.
• The lack of clean hands, especially among young children, facilitates infection.
• Inadequate sanitation also leads to its spread.
• Rotavirus can persist on some surfaces for days.

Conclusion

Rotavirus is the most common viral infection among children and infants. It is caused by a direct relationship between infected articles and food. If left unattended, it has the potential to cause severe complications in children. Families must have health insurance to get the appropriate medical attention when required.

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.

Do you want to know what is imaging test and its usefulness? Imaging test gives an insight into what is happening inside your body. It helps in diagnosing a disorder and its severity.

Overview of Imaging Tests

Now that you have some idea about what are imaging tests, you may want to know more about their functionalities, including their safety. Most imaging tests are non-invasive, making them relatively safe and painless. An imaging test provides a detailed internal view of your body. These scans can help identify injuries and diseases, thus helping your healthcare provider plan your treatment. Imaging tests may use magnetic fields in MRI, sound waves in ultrasonography, and radiation in computed tomography, angiography, and X-rays.

Conclusion

You now know what is an imaging test and its non-invasive procedure, you can go for such a test without any worries if your doctor has recommended it. You should also purchase health insurance as the costs for most imaging tests are covered by insurance policies.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

Norovirus is very contagious. It is also known informally as the “stomach virus” or the “winter vomiting virus”. But how is Norovirus transmitted? The virus can be passed on by an infected individual even before any of the tell-tale symptoms appear. It can also be passed on for several days after the illness subsides. 

The symptoms are generally seen as vomiting as w, diarrhoea, and abdominal cramps.

Is Norovirus Communicable?

Norovirus is infectious as it can be transferred from one individual to another. It is a leading cause of global gastroenteritis outbreaks and can be contracted through proximity to an infected individual, consuming contaminated food or water, or touching contaminated surfaces.

But how long is norovirus contagious? The virus exists for days on surfaces, so other people can get the illness quite easily when there are lapses in hygiene, such as handwashing. The infectious nature of the norovirus is a cause of worry in groups and epidemic events, as several individuals can be infected within a short period.

How Does Norovirus Spread?

• Through the ingestion of contaminated food or drinks, most probably through raw or undercooked shellfish.
• From a norovirus patient just by direct contact with them, particularly when there is vomiting or diarrhoea.
• By using hands that have touched contaminated surfaces and then wiping lips, nose, or eyes with unwashed hands.
• In places with a high population density and proximity between individuals, the chances of infection increase in leaps.
• Aerosolised vomitus or vomitous mist is particularly emitted during and before vomiting and can spread to people around.

Conclusion

Norovirus has extremely high contagiousness and transmissibility and is quickly spread by the medium of contaminated food, contact, and dirty surfaces.

This virus is especially wicked since an individual can transmit the virus for days after feeling better. Hence, proper hygienic practices and cleaning are very important. Proper sanitation, hand washing, and food safety can avoid norovirus outbreaks. Preventive measures like good hygiene remain the best defence against this highly contagious virus. Check that your health insurance plan covers medical visits related to norovirus, such as hospital stays and consultations. 

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.