Weight gain food for babies

Are you worried that your baby isn’t gaining enough weight for their age? You’re not alone—many parents share this concern and wonder if they’re doing everything right. While weight gain is important for healthy development, the focus should be on nutrient-rich foods rather than just increasing portion sizes. Providing balanced, nourishing meals ensures your baby gets the nutrients they need for optimal growth.

Best weight gain food for babies

The following are some nutritious mass gaining foods that help in healthy weight gain:

• Breastmilk: Breastmilk is the gold standard for infants under 6 months. It is packed with all the nutrients your baby needs, but it also has high-calorie 'hind milk' at the end of each feeding, which is super important for your baby's weight gain. Breastfeeding moms should try to eat a balanced diet to keep their milk rich and nutritious.
  
  
• Whole cream milk: You can start introducing whole cream milk once your baby hits their first birthday. It is loaded with the fats and calories your little one needs to grow and also comes packed with essential vitamins, minerals, and calcium.
  
  
• Bananas: These are a quick and easy snack that packs a big energy punch. Try mashing up half a banana with a little ghee or milk for a tasty treat your baby will love.
  
  
• Ragi: This versatile grain is a wonderful source of protein, iron, and calcium. All these are vital for your baby's muscle and bone development.
  
  
• Sweet potato: Start your baby on sweet potatoes early. They are high in carbohydrates and energy. They are also full of beta-carotene, which is good for their overall health.
  
  
• Eggs: Begin with just the yolk around 8 months and introduce the whole egg after your baby’s first birthday. Eggs are a good source of protein.
  
  
• Yoghurt: Yoghurt is an excellent alternative for babies who are not fans of milk or might be lactose intolerant. It is full of calcium and healthy fats.
  
  
• Rice: A comforting bowl of rice mixed with a bit of ghee and dal is soothing and also easy for babies to digest.

Conclusion

Feeding the right weight gain food for babies makes sure that they grow healthy and strong. However, during this delicate time, it is essential to remain prepared and avail frequent consultations with your pediatrician. An appropriate health insurance plan can cover the costs of essential post-natal care as well as any emergencies. This approach lets you relax and enjoy your little one’s health milestones with fewer worries

Severe depression is not just about feeling down – it is a persistent and intense form of depression that can dramatically affect one's ability to function. It is all too easy to miss the warning signs of severe depression, especially when life gets hectic. However, we can help our loved ones or ourselves identify these warning signs early if we pause and pay attention. If you are wondering what to look out for, you have come to the right place. Let’s discuss the warning signs of deep depression, as recognising them is the first step to seeking medical help.

Symptoms of severe depression

Severe depression is a profound and impactful condition that requires compassion, support, and professional care. Noticing these signs in yourself or someone else is the first step toward turning things around.  Warning signs of severe depression should be addressed on time and dealt with care.

The initial symptom is persistent sadness or a low mood. This is not about feeling off for a day or two, it is like being enveloped in a fog of gloominess that you can't shake off. Then there is the loss of interest or pleasure in activities. Remember how you used to look forward to your weekly game night or binging that one TV show? When severe depression steps in, the joy from those activities just evaporates. It is not that you don't want to have fun — it is that you can't feel the fun anymore, everything just turns bland.

Significant weight changes are also a telltale sign. This could swing either way — you might lose your appetite and shed pounds without trying, or eating more and gaining weight unexpectedly. It is like your body’s way of reacting is off balance.

Sleep issues are incredibly common too. Maybe you are up until the early hours staring at the ceiling, or sleeping much more than usual but still feeling exhausted. It is as if your body can’t decide whether it is too tired to stay awake or too anxious to sleep.

Speaking of exhaustion, fatigue or loss of energy can hit hard. Simple tasks like making a cup of tea or sending an email can feel like running a marathon. It is a bone-deep tiredness that doesn’t go away no matter how much you rest.

Emotions can get heavy too, with feelings of worthlessness or guilt taking the front seat, often for things that aren’t your fault. It is like you are carrying an invisible, heavy load that just keeps piling on more weight.

Difficulty in thinking or concentrating can make everyday decisions, following conversations, or even indulging in a favourite hobby incredibly hard. It is like your brain is foggy and the thoughts that used to flow so easily are now stuck behind a thick glass wall.

Most critically, thoughts of death or suicide are the most alarming signs of severe depression. It is a glaring sign that immediate help is needed if thoughts of harming yourself or thoughts about not wanting to exist anymore creep in. In such cases, having health insurance that covers mental health services can provide access to therapy, counseling, or hospitalization, ensuring that necessary treatment is within reach.

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.

Low-income individuals, at times, cannot afford medical care, particularly those involving highly specialised treatments. The situation for those living below the poverty line (BPL) in India is further complicated by the high cost of medical bills that they must pay as a result. To address the financial demands of the underprivileged and address their need for medical treatment, the government has introduced several health insurance schemes. These schemes are designed to give those who may otherwise find it difficult to get timely, high-quality healthcare access a lifeline by delivering comprehensive, reasonably priced medical coverage. Let us explore the health insurance for below-poverty-line schemes created to promote the well-being of the underprivileged.

Health insurance plans for people below the poverty line

Following are the major below-poverty-level health insurance schemes —

With the goal of the universal health coverage (UHC) project in mind, the government introduced the Ayushman Bharat Yojana based on the National Health Policy's guidelines. The Pradhan Mantri Jan Arogya Yojana (PMJAY) is a healthcare plan that targets the underprivileged and marginalised segments of society. The plan, which has an annual fee of INR 30, provides coverage of up to INR 5 lakh per family each year. Additionally, coverage for pre-existing conditions begins from day one.

Individuals below the poverty line, particularly those employed in the unorganised sector, are the main target of the Rashtriya Swasthya Bima Yojana (RSBY). Up to INR 30,000 in annual coverage is provided under this initiative for workers and their families. Pre-existing conditions are covered from day one for policyholders, who can also take advantage of cashless hospitalisation. The central government contributes 75% of the yearly premium rate, while the state government pays the remaining 25%; those eligible for this scheme pay an annual renewal or registration charge of INR 30. The respective State Governments are responsible for covering the cost of the smart card as well as any associated program administration costs.

Employers in non-seasonal enterprises with ten or more employees are covered by the Employment State Insurance Scheme (ESIS). In addition to financial benefits for illness or disability, it covers hospitalisation costs for the employee and any dependents. Family members get benefits, including a monthly pension, in the tragic event that an employee passes away from accidents linked to their job.

To give farmers and those living in poverty access to healthcare, the maharashtra government launched the Mahatma Jyotiba Phule Jan Arogya Yojana. It pays for hospital stays related to medical and surgical treatments falling within 34 specialities. It has a floater sum insured of INR 1,50,000 per family, which can be increased to INR 2,50,000 per family in the event of a kidney transplant. There is no waiting period associated with this health insurance scheme. Furthermore, the Maharashtra government bears the whole cost of the premium for this policy.

For migrant workers employed in the State, the Kerala government implemented the Awaz Health Insurance Scheme. Hospitalisation coverage against accidental death and disability is offered. This scheme is open to anybody between the ages of 18 and 60. Up to INR 15,000 in hospitalisation costs, INR 1 lakh in accidental permanent disability, and INR 2 lakh in accidental death are covered.

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.

Some people use the term high-functioning depression as a form of persistent depressive disorder (PPD); however, high depression symptoms are different and are neither a diagnosis nor a clinical disorder, and many mental healthcare professionals also disagree with the use of such a term. People with high depressive disorder can lead a normal life. They can balance their relationships and work with it because no certain diagnostic signs and symptoms are involved with this condition. People with persistent depressive disorder experience lengthy instances of depression with periods of normal mood for a minimum of 2 years. It is important to study the different forms of depression by ascertaining its signs and symptoms to treat the condition at the earliest.

Symptoms and Diagnosis of High-Functioning Depression

Many studies on depression have reported that high-functioning depression is not a disorder, and there are no objective clinical symptoms for this term. However, many people confuse high-functioning depression symptoms with PPD, which involves low-grade symptoms related to depression that persist for at least two years. A person with PPD may experience low mood as well as two of the symptoms listed below.

• Changes in appetite

Our digestive systems and brains are strongly connected, so when you feel depressed or deal with the physical side effects of depression, it can lead to loss of appetite, indigestion, diarrhoea, constipation, nausea, etc. 

• Oversleeping or insomnia

People dealing with depression may face sleep problems, including insomnia or sleeping too much, as it can affect the body as well as the mind due to changes in neurotransmitters and brain functions.

• Extreme fatigue

Lack of energy and fatigue may be linked to dysfunction in the release of neurotransmitters from the brain affecting norepinephrine or dopamine levels in the blood, which result from a person taking antidepressant medications like tricyclic antidepressants, selective serotonin reuptake inhibitors, and serotonin-norepinephrine reuptake inhibitors. It is always advisable to talk to your healthcare provider to make changes in your drug regime.

• Low self-esteem

People living with depression may experience a lack of self-confidence and may find difficulty in communicating with people due to changes in brain activity.

• Difficulty concentrating and making decisions

Depression can cause difficulty in concentrating on important tasks, and a person may feel confused most of the time in making decisions on their own.

If a person has high depressive symptoms, he/she should see a doctor, protect oneself from the immediate danger of self-harm, and contact an available emergency helpline dealing with depressive disorder patients. It is wise to buy a health insurance policy to cover the essential costs to meet the expenses for frequent health check-ups while coping with this condition.

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.

Health insurance providers offer several plans these days. If you have heard about indemnity healthcare plans and are thinking about what they are, here, we will answer the question, “What is an indemnity health insurance plan?”

An indemnity health insurance plan is a form of coverage that is not only flexible but also provides the policyholder with autonomy in decisions relating to healthcare. You have the option of purchasing indemnity health insurance as an individual cover or as a family floater plan.

Unlike other policies, an indemnity health insurance plan allows the policyholder to select the hospital as well as the doctor of his/her choice. However, these plans require more out-of-pocket expenses on the part of the policyholder.    

Importance of choosing indemnity health insurance

An indemnity health insurance plan offers several benefits.

Medical costs have gone up to 8-10% annually. Treatment options that require surgery cost around lakhs of rupees. If you have purchased an indemnity health insurance plan, then the same would be taken care of, and you will not be required to pay from your pocket, leaving aside the deductibles and expenses not covered under the policy. 

These policies provide you with the option to choose the hospital of your choice. Moreover, they provide the benefit of a cashless facility, so you don’t have to pay hefty medical bills upfront.  

The insurance provider will pay the entire medical bill on your behalf up to the sum insured. These types of policies not only cover pre- and post-hospitalisation charges but also other expenses related to surgery, ICU-related expenditures, daycare treatment, doctor’s fees, ambulance charges, and diagnostic tests. Indemnity health insurance plans also cover expenses related to the treatment of COVID-19 infections.  

An indemnity health insurance plan is a low-cost plan. The majority of health insurance plans are offered with a deductible, which is the amount the policyholder must pay from his/her pocket. If you opt for a higher deductible, the premium of your health insurance plan is reduced. As you are ready to pay from your pocket, the insurer’s risk decreases, and you get an option to enjoy a low-cost indemnity health insurance plan.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. 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.

A panic attack is a quick episode where one expresses too much fear, triggered by extreme physical reactions. It happens without any apparent cause or real danger and can be terrifying. People who experience panic attacks for the first time may think that they're losing control. Some may even believe that they're experiencing a heart attack or about to die.

Many people experience panic attacks during stressful situations. The episodes present without warning but last for a short time. However, some people have incidents that happen in a row, making the attack last much longer. 

If you've had sudden, recurrent panic attacks and spent most of your days in constant fear of a repetitive attack, you're likely to have a condition known as panic disorder. This is a form of anxiety disorder characterised by multiple unpredicted panic attacks. It happens with no warning and without a specific trigger. However, not everyone who encounters a panic attack will develop panic disorder.

What are the symptoms of a panic attack?

Panic attacks strike at any time without warning. They can occur when at work, when driving a car, while at the shopping centre, or even when deep asleep. The attacks may happen occasionally or frequently. The symptoms can vary, starting suddenly and peaking within minutes.

The notable symptoms of a panic attack may include any of the following:

• Sense of impending doom or danger
• Fear of death
• Rapid heart rate
• Hot flushes
• Sweating
• Chills
• Trembling or shaking
• Chest pain or tightness
• Lack of control
• Shortness of breath 
• Chills
• Nausea
• Abdominal cramps
• Headache
• Tingling sensation or numbness at the fingers or toes
• The feeling of detachment from reality
• Dizziness or lightheadedness

After experiencing a panic attack, most people tend to have extreme fear of repeated attacks. Some may even fear having other panic attacks so much that they can avoid situations that may trigger the episodes. However, those who encounter recurrent attacks of stress, anxiety, and panic could have a panic disorder.

What causes panic attacks?

There are no specific panic attack causes. However, some factors are key players. They include:

• Extreme fear or prolonged stress
• Genetics
• Changes in the way some parts of the brain functions
• Having a personality that is more sensitive to negative emotions

Furthermore, a panic attack may initially come unexpectedly and without warning. But, over time, it can get triggered by particular situations, like fear of recurrent attacks. Research is still underway as to why panic attacks happen even when there's no apparent danger. However, it's evident that your risk of developing a panic disorder is higher if you have:

• Mental health conditions like depression and other anxiety disorders
• Adverse childhood experiences (ACEs)
• A history of panic attacks or anxiety disorders in the family

Postpartum depression treatment

Postpartum depression usually happens after a mother delivers a baby. With such episodes, you may feel hopeless, anxious, sad, or even disconnected from your little one for weeks or months. 

The treatment for postpartum depression varies depending on an individual’s symptoms and severity. Your nurse, medical practitioner, or specialist can help you manage the condition. Treatment may include any or a combination of the following:

• Counselling sessions with a mental health counsellor
• Drugs (antidepressants or anti-anxiety medications that are safe to use while breastfeeding)
• Cognitive behavioural therapy
• Support group participation

Postpartum depression can also lead to an anxiety disorder and even panic attacks.

Note: Anytime you feel like you're encountering symptoms of postpartum depression, ensure you talk to your doctor or nurse. They will help you find the right treatment and other necessary support channels. It's also important for pregnant women to stay armed with health insurance. The cover will help cater financially for any issue that may arise pre- and post-delivery.

Conclusion

Panic attacks usually happen suddenly and for no clear reason. It varies from one person to another and can be mild, moderate, or severe. The attacks often include feelings of fear or worry, and the more you fear repetitive episodes, the higher the chances for other attacks. If you experience recurrent attacks, you may need to seek panic disorder treatment. Often, the condition may affect your quality of life significantly. However, treatment can be effective. Your treatment will depend on the symptoms and severity of your particular condition.

Panic attack treatment aims to reduce the number of episodes you experience and ease your symptoms. Hence, it would help if you didn't neglect visiting your healthcare provider. You may have to undergo tests to rule out other medical conditions that may present similar symptoms, such as thyroid disorders, respiratory issues, or heart disease. Hence, it's important to have reliable health insurance that can cater to the necessary costs.

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 embarked on a journey behind the wheel, only to arrive at your destination without recollecting the miles in between? This enigmatic phenomenon is highway hypnosis, a trance-like state that can occur even in the most alert drivers. Here, we delve into the captivating world of highway hypnosis, exploring its meaning, causes, and potential consequences. Join us on a journey through the mysteries of the mind that can leave us driving on autopilot, unaware of the road beneath us, and learn how to safeguard yourself against this surreptitious danger on the open road.

Highway Hypnosis meaning

• Definition

Highway hypnosis, also known as road hypnosis or white-line fever, is a psychological phenomenon that occurs when a person driving a vehicle enters a trance-like state.

• Recollection gap

It involves a peculiar experience where the driver may not recollect the specific moments, distances covered, or events during their journey.

• Hypnotic effect

During highway hypnosis, drivers continue to operate the vehicle but become mentally detached, akin to being in a hypnotic trance.

• Variable duration

This phenomenon can affect drivers for short or extended periods, leading to lapses in attention and concentration.

• Monotony and repetition

Highway hypnosis is often triggered by monotonous driving conditions, such as long stretches of straight roads, little traffic, and a lack of significant visual stimuli.

• Potential risks

While not as immediately dangerous as falling asleep at the wheel, this condition can impair a driver's ability to react swiftly to unexpected situations, making it a road safety concern.

• Preventative measures

Drivers can mitigate the risk of highway hypnosis by taking breaks, staying alert, and engaging in activities to maintain focus during extended drives.

Conclusion

Now you know the meaning of highway hypnosis. It is a mysterious and potentially dangerous phenomenon. It can strike anyone navigating long, monotonous roads, leading to lapses in awareness and compromised reaction times. While not as immediate a threat as falling asleep at the wheel, it poses undeniable risks. To safeguard against this subconscious trance, drivers must prioritise rest, hydration, and regular breaks during extended journeys. Awareness and proactive measures are essential for road safety, ensuring that the journey to one's destination remains efficient and secure for everyone on the road. Additionally, having a comprehensive car insurance policy provides financial protection against accidents and unforeseen incidents, ensuring peace of mind while traveling long distances.

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.

While discussions surrounding depression primarily focus on its emotional toll, it's crucial to acknowledge its physical manifestations. Beyond the visible signs, depression can silently affect the body, often unnoticed. In this exploration, we aim to uncover these physical symptoms in straightforward terms. From fatigue to unexplained aches, depression manifests in various bodily cues. By understanding these signals, we can enhance our comprehension of depression's holistic impact and foster more empathetic support systems. This blog aims to explore the physical symptoms of depression, shedding light on a crucial aspect of mental health.

What are the physical symptoms of depression?

More than just a bout of the blues, people with depression should not get discouraged because it isn't a weakness, and you can treat it with medication, psychotherapy or both. It is important to study signs and symptoms of physical depression that likely result from psychological changes occurring in the body because it may require long-term treatment. Some of the physical signs of depression are:

• Sleep problems

People dealing with depression may face sleep issues, including insomnia, as it can affect your body as well as your mind. Trouble falling asleep or prolonged sleep is common in people who are depressed due to changes in neurotransmitters and brain functions. This disorder can worsen body pain leading to fatigue.

• Chest pain

Chest pain can also be a sign of depression if you have a history of heart disease. Studies show that heart attack survivors are more likely to be depressed.

• Aching muscles and joints

People living with other underlying conditions may experience muscle and joint pain. With such ongoing pain, a person may raise his risk of developing depression due to changes in the level of neurotransmitter chemical senses in the brain. Studies show that individuals who are depressed are more likely to get regular pain in muscles and joints due to changes in brain activity.

• Digestive problems

The brain and digestive systems are strongly connected. When you are depressed or dealing with a physical side effect of depression, it can affect your gut, leading to indigestion, diarrhea, constipation, nausea and more.

• Fatigue

Fatigue is one of the most common physiological symptoms of depression. The lack of energy and fatigue may be related to the hampered release of neurotransmitters from the brain, affecting norepinephrine or dopamine levels in the blood that occur when a person is depressed. Fatigue is a side-effect of anti-depressant medications like tricyclic antidepressants and serotonin-norepinephrine reuptake inhibitors used in the treatment of depression. It is always advisable to talk with your healthcare provider to make changes in your drug regime.

• Changes in appetite or weight

People with depression may either feel less hungry or start consuming food in excess, resulting in a lack of energy or weight loss or gain. Studies have reported some eating disorders like bulimia and anorexia linked with depression.

How to cope with physical symptoms of depression

Managing physical side effects of depression can be challenging and involves plenty of self-care. Here are a few ways you can cope with your condition:

• Regular exercise: Engaging in physical activity, even in small amounts, can help alleviate some of the physical symptoms of depression. Exercise releases chemicals called endorphins, which are natural mood lifters, and can also improve sleep and overall energy levels.
• Healthy diet: Consuming a balanced diet packed with fresh fruits, veggies, millets and whole grains, and lean proteins can support both physical and mental health. Avoiding excessive sugar, caffeine, and processed foods may help stabilise energy levels and mood.
• Adequate sleep: Establishing a regular sleep schedule and practicing good sleep hygiene can improve both the quality and quantity of sleep. This includes creating a relaxing bedtime routine, avoiding screens before bed, and ensuring your sleep environment is conducive to rest.
• Stress management: Learning and practicing stress-reduction techniques like meditation, deep breathing exercises, or muscle relaxation can help alleviate physical symptoms of clinical depression.
• Mind-body practices: Consider incorporating mind-body practices such as yoga into your routine. These practices combine physical movement with mindfulness and can help reduce overall stress.
• Seek help: Receiving social support is crucial for recovering from depression and anxiety. This support can come in various forms, encompassing both emotional and physical assistance from sources like your doctor, family, or friends. These individuals provide a safe space where you can freely express your thoughts and feelings, aiding in a more comprehensive understanding of your mental state.

Furthermore, joining support groups dedicated to individuals facing similar challenges can offer valuable counseling and opportunities for social interaction within a supportive community. If you ever find yourself in immediate danger due to depressive behavior, reaching out to emergency helplines specializing in depressive disorders is imperative.

Moreover, purchasing a health insurance policy can provide financial coverage for frequent health checkups and hospitalization expenses, offering additional peace of mind as you navigate your recovery journey.

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.

Understanding the main difference between an anxiety attack and panic attack can help individuals navigate their mental health journey more effectively. While both may cause intense feelings of fear or discomfort, they have distinct characteristics. Anxiety attacks typically arise from stressors or triggers and build gradually, whereas panic attacks often occur suddenly and unpredictably, accompanied by physical symptoms like rapid heart rate and shortness of breath. This blog will help you recognise the nuances between the two so you can seek appropriate support and coping strategies to manage symptoms.

Difference between anxiety attack and panic attack

Many people find it hard to differentiate between anxiety and panic attacks due to their similar symptoms. Here are important points that will help you distinguish between an anxiety attack vs panic attack based on their features:

1. Causes

• Anxiety attacks: These occur after prolonged worry, with symptoms gradually building over minutes or hours. Typically, less intense than panic attacks.
• Panic attacks: These occur suddenly, without warning, and cause temporary but intense feelings of fear. The strong physical reaction stems from responses to short-term, non-threatening situations.

2. Symptoms

• Anxiety attack

The symptoms of anxiety attacks mainly include:

• Difficulty in concentration
• Irritability
• Nervousness
• Rapid breathing
• Faster heart rate
• Sleep disturbances
• Excessive sweating
• Trembling
• The feeling of impending danger

• Panic attack

A person experiences a racing heart, sweats a lot, and has difficulty breathing. Also, the common symptoms of a panic attack include:

• Chills
• Chest pain
• Trembling or shaking.
• Nausea
• Numbness or tingling at the fingers or toes.

3. Duration of the attacks

• Anxiety attack

An anxiety attack happens after an intense period of worry or stress and lasts longer compared to a panic attack. Depending on an individual, the episode can even last for days, weeks, or months.

• Panic attack

A panic attack happens suddenly, with the symptoms climaxing within 10 minutes. The attack usually lasts between 5-20 minutes. However, some people report having episodes that last up to even an hour.

Also, some incidents of panic attacks happen in a row. This makes the attacks appear to last much longer. After such events, the victims often feel stressed and unusually troubled for most parts of their day.

4. Trigger points

• Anxiety attack:

The triggers of anxiety attacks are mostly due to traumatic events such as the following:

• Physical or emotional abuses
• Neglect by parents or close family members
• Losing a loved one
• Being socially excluded or bullied
• Using some drugs or medications such as antidepressants

• Panic attack

The triggers of panic attacks are mostly due to general life experiences. Such events may include:

• Experiencing sudden change or uncertainty in one's life
• Extreme exhaustion
• Feeling under too much pressure, for instance, at the workplace
• Unemployment
• Financial strains
• Marital issues
• Constant worry about environmental or natural disasters (eco-anxiety)
• Feelings of loneliness

Most people tend to interchange the terms anxiety and panic attacks. However, the two are quite different. To prevent either, seeking help from a healthcare provider to identify triggers is essential. This enables you to learn effective management strategies and gain control. It's also crucial to have comprehensive health insurance coverage to alleviate treatment costs and ease financial burdens. Prioritising your mental and physical well-being ensures a proactive approach to managing anxiety and panic attacks.

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.

When it comes to health insurance, single mothers face a unique set of circumstances. Among the daily hustle and juggle between work, school runs, and meal preps, it is easy to put our health on the back burner. However, securing health insurance ensures that you are well-equipped to care for your little ones, come what may. Health insurance is not just a safety net—it is a crucial tool that empowers you to manage both minor health hiccups and major medical emergencies without breaking the bank. Come, let us delve into why having a good health insurance plan is particularly beneficial for single mothers.

Find out how health insurance can benefit single moms

Every little bit of support and health insurance for single mothers counts for single moms. Let’s look at a few benefits of securing insurance:

• Financial security: We all know how unexpected medical bills can throw our carefully balanced budgets into chaos. But with health insurance, hospitalisation, operations, and emergency medical care are all covered under a comprehensive plan. You can support your family and maintain your current standard of living without worrying about how you will pay for medical treatment.
• Healthcare accessibility: Getting the medical attention you need is within reach with a solid health insurance plan. You can access a vast range of highly esteemed medical facilities and specialists. This access is critical because it gives you the freedom to choose affordable, high-quality care for your family. Any kind of checkup, from the recommended yearly physical to a trip to the doctor, will keep you protected.
• Peace of mind: You can feel at ease knowing that you're covered regardless of what happens. Being worry-free allows you to fully immerse yourself in your daily activities and enjoy every moment of life. This peace of mind is invaluable. You will be able to handle health setbacks without them turning into financial crises when you have the best insurance for single moms.
• Preventative services: Prevention is always preferable to cure when saving money. Many health insurance plans provide preventative care such as vaccines, annual exams, screenings, and mammograms. These services are crucial for spotting diseases early, managing chronic conditions, and keeping your family healthy without breaking the bank.
• Support services: Additional benefits beyond medical care are provided by some health insurance programmes. Mental health therapy, nutrition suggestions, and online health portals for appointment scheduling and assistance are all examples of such services. An individual mother who is constantly on the move and in need of reliable advice or encouragement but who lacks the time to make multiple trips to the doctor may find these services to be a lifesaver.
• Flexibility and customisation: Every family and their health needs are unique. Modern health insurance plans are designed to be flexible, letting you tailor your coverage to exactly what you and your children need. You can customise whether you need to add maternity benefits, cover specific health conditions, or adjust your deductible to fit your budget. This flexibility means your health insurance can grow and change with your family.

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.

If you've ever felt like sadness keeps coming back, making it hard to enjoy life, you're not alone. Recurrent depressive disorder is more than just feeling blue occasionally. It's like a heavy cloud that hangs around, affecting how you feel and act every day. But there's hope. In this blog, we'll break down what recurrent depressive disorder is, its common symptoms, and how you can find support and ways to cope. Let's navigate this journey together.

What is recurrent depressive disorder?

Recurrent depressive disorder is a mental health condition where feelings of deep sadness and hopelessness keep coming back. It's not just feeling sad for a short while; it's like a heavy cloud that hangs around for weeks or months. People with this disorder may struggle to enjoy things they once loved and find it hard to do everyday tasks. These feelings can affect sleep, appetite, and concentration. Recurrent depressive disorder can make life really tough, but with the right support and treatment, many people find ways to manage it and lead fulfilling lives.

How is recurrent depressive disorder diagnosed?

To be diagnosed with recurrent depressive disorder, you must have experienced all of the following conditions listed below:

• At least one episode of previous depression that lasted for at least 2 weeks.
• You must have experienced five current depressive symptoms at least for two weeks.
• No depressive symptoms in between episodes for at least 2 months.
• No increase in energy levels.
• No episode of mental, behavioral, or neurodevelopment disorder (mania or hypomania).

Other parameters to diagnose depressive disorder may involve physical examination and laboratory tests:

• Physical examination

Your doctor might check your body and talk to you a lot about how you're feeling to understand what's going on with your mind. They might also watch how you move your hands and body to see if you seem confident or if you're shaking when you talk.

• Laboratory tests

Your healthcare provider may recommend laboratory tests like blood tests to check if the cause of the depressive disorder is linked to other medical conditions like hypothyroidism. He may form another test, such as an ECG, CT scan, EEG, or other tests, to look for other health conditions.

• Psychological evaluation

The doctor will talk to you about how you think, feel, and act to understand your mental health. They might give you a questionnaire to fill out, which helps them figure out if you have something like persistent depressive disorder or another mood condition like major depression or bipolar disorder. If they diagnose you with a depressive disorder, they might suggest a mix of treatments like therapy and medication. Therapy options include talking therapies like CBT or DBT, among others, while medication might include SSRIs or SNRIs. You might also consider getting health insurance to help cover the costs of your treatment, including checkups and hospital stays.

What are the symptoms of recurrent depressive disorder?

Recurrent depressive disorder is a form of depression that comes and goes. Sometimes, the symptoms can be really strong, and other times, they might not be there at all for weeks or even years before coming back again. Its symptoms include the following:

• Feelings of sadness or emptiness
• Loss of interest in activities
• Difficulty concentrating or making decisions
• Irritability or anger
• Changes in appetite or weight over time
• Fatigue or lack of energy
• Low self-esteem
• Feelings of worthlessness
• Feelings of excessive guilt
• Changes in sleep patterns, like insomnia or excessive sleeping
• Anxiety or restlessness throughout the day
• Unexplained physical pains even when you rested properly
• Gastrointestinal disturbances as the brain and digestive system are strongly connected.
• Suicidal thoughts or attempts

The degree or extent to which these symptoms affect an individual’s ability to function effectively determines if depressive disorder episodes are mild, moderate, or severe. In case of a mild episode, you may feel irritated and annoyed most of the time, whereas in cases of severe depressive episode, you may find difficulty in performing daily activities.

Recurrent depression can happen because of a mix of things like social issues, how you think and feel, and even how your body works. It can lead to major depressive disorder, a serious condition that majorly affects how you feel, think, and handle daily activities. If you're struggling with feelings of sadness or hopelessness, it's essential to talk to a doctor. They can help you figure out what's going on and find the right treatment for you. Don't hesitate to reach out and get the support you need.

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.

Securing a health insurance policy is one of the most significant decisions you can make for yourself and your loved ones. However, your responsibility as a policyholder does not end once you purchase a policy. As your plan nears its expiration date, it is essential to consider the renewal process. Renewing your health insurance policy not only ensures that you continue to receive coverage but also provides an opportunity to reassess your healthcare needs and make any necessary changes to your policy.

Health Insurance Renewal Procedure

You can complete the health insurance renewal process by following a few simple steps.

Before renewing your policy, take the time to review it. Ensure you understand the coverage, any changes in benefits or premiums, and the policy terms and conditions.

Connect with your insurance provider to initiate the renewal process. You can do this by visiting the insurer’s official website. Provide your insurance provider with any updated information, such as changes in your address or contact details.

Once you have reviewed your policy, contacted your insurance provider, and provided updated information, it is time to make payment. You can pay online, through mobile apps, or via a cheque. After making payment, you will receive confirmation of your policy renewal. Make sure to maintain a copy of this confirmation for your records.

Why Should You Renew Your Health Insurance?

• Discounts and offers: Renewing your health insurance policy on time makes you eligible for discounts and offers provided by your insurer, which can help you save on premium costs.
• Continuous coverage: Renewing your healthcare policy on time ensures you do not face any break in coverage. A coverage gap can lead to loss of benefits and require reapplication for coverage.
• Pre-existing conditions coverage: You can rest assured that your coverage for pre-existing conditions will continue, provided it falls under the policy’s terms and conditions.
• Customisation: When you renew your health insurance policy, you can customise your plan and widen the scope of coverage to suit your changing needs.
• Tax Benefits: You can avail of tax rebates as you become eligible for deductions under the Income Tax Act’s Section 80D.
• Peace of Mind: You can achieve a sense of security by renewing your healthcare plan, as it safeguards you against unexpected medical emergencies and frees your mind from anxiety.

Benefits of Renewing Health Insurance Online

• Time-saving: Renewing your healthcare policy online saves time and effort. With the easy-to-use online platform of the insurer, you can renew your policy hassle-free from the comfort of your home, office or on the go using your laptop or smartphone.
• Paperless experience: You can easily access and compare different policies, select the best one according to your requirements, and complete the renewal process with just a few clicks without furnishing any hard copy of the documents.
• Easy payment options: You can opt for quick and easy payment options, such as net banking, credit or debit cards, and mobile wallets, by choosing the online renewal process. You can easily complete the payment and obtain renewal confirmation within minutes.
• Confidentiality: Insurers employ secure payment gateways and encryption technology to safeguard sensitive information, ensuring that their policyholders’ data remains safe from prying eyes.
• Cost-effective: When you renew your policy online, the need for a health insurance agent gets eliminated. This allows you to save money on commissions while decreasing premiums. 

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.

Navigating the complexities of health insurance can present a challenging and overwhelming experience for many individuals. It is common to come across various insurance terminologies, such as copay and deductible, that may seem interchangeable but refer to distinct aspects of your insurance policy. Understanding the distinctions between copay vs deductible is crucial in making informed decisions about your medical care and insurance needs.

What is a copay?

Under the copay clause, the health insurance plan requires individuals to pay a fixed amount of money out-of-pocket at the time of receiving medical services. The insurer and the insured share the cost of medical services using this common feature of health insurance plans.

Suppose a health insurance plan has a copay of Rs. 1,000. The policyholder chooses outpatient department (OPD) services and visits a doctor for consultation, where the total cost is Rs 3,000. In this case, the insured needs to pay Rs 1,000 while the insurer reimburses the balance of Rs 2,000.

What are deductibles?

Deductibles refer to a fixed amount of money an individual needs to pay out-of-pocket for healthcare services before his/her insurance policy begins to cover the costs. Essentially, it is the amount an individual must pay before the insurance plan kicks in to cover the remaining expenses.

There are two categories of deductibles in health insurance: compulsory and voluntary. Insurers set compulsory deductibles, which are mandatory for all policyholders; a policyholder can choose a voluntary deductible that the person can adjust according to his/her preferences.

For example, if an insurance policy has a deductible of Rs 5,000 and an individual incurs a medical bill of Rs 10,000, the person would need to pay the initial Rs 5,000. The insurance company would cover the remaining Rs 5,000.

Difference between copay and deductible

Which one to choose: Copay or Deductible?

When deciding between a health insurance deductible vs copay, there are several key considerations to keep in mind:

• Healthcare needs: Consider your needs, including ongoing medical conditions, prescriptions, or regular check-ups. If you anticipate needing frequent healthcare services, a plan with lower or no copays may be better.
• Budget: Consider your budget and how much you can pay out of pocket for healthcare expenses. Although plans with higher deductibles often have lower monthly premiums, it means that you have to pay a larger amount of your healthcare expenses before your insurance begins to cover the remaining costs.
• Risk tolerance: Consider your risk tolerance. A plan with a higher deductible may be better if you are willing to take on more risk in exchange for lower monthly premiums.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the 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.

Studying abroad is an incredible experience that opens doors to new knowledge and cultures. However, ensuring the well-being of students in a foreign country is crucial. That's where medical insurance for students studying abroad comes into play. With comprehensive coverage tailored for international students, it provides financial protection and peace of mind in unexpected illnesses or injuries.

From medical expenses to emergency evacuations, this insurance is a vital safety net that allows students to focus on their studies and exploration without worrying about healthcare costs.

Health Insurance For Students Studying Abroad 

Studying abroad is a transformative experience, allowing students the chance to broaden their horizons and gain a global perspective. However, amidst the thrill of exploring a new country and immersing oneself in a different culture, it is essential not to overlook the importance of health insurance.

Health Insurance for students studying abroad acts as a safety net, providing coverage and peace of mind in case of unexpected medical emergencies or healthcare needs. It offers protection against medical expenses, ensuring students have access to quality healthcare services and can focus on their studies without having to worry about the financial burden of medical bills.  

From routine check-ups to emergency treatments, student abroad health insurance offers comprehensive coverage tailored to their unique needs. Whether it’s a minor illness, a sudden injury, or even a severe medical condition, having the right health insurance ensures that students receive the necessary care and support during their time abroad. So, before embarking on an educational journey abroad, it is crucial for students to prioritise their health and well-being by securing a reliable health insurance plan. With the right coverage in place, students can fully embrace their international education experience, knowing that their health is well-protected.

Importance of Health Insurance For Students Studying Abroad 

• Health insurance for students studying abroad provides crucial protection and peace of mind in unforeseen medical emergencies or healthcare needs.
• It serves as a safety net, ensuring access to quality healthcare services and preventing the financial burden of medical expenses.
• Health insurance covers a range of healthcare needs, from routine check-ups to emergency treatments, offering comprehensive coverage tailored to the unique requirements of students studying abroad.
• It safeguards against the costs of medical treatments, medications, hospital stays, and surgeries, allowing students to focus on their studies without worrying about the financial implications of healthcare.
• Medical insurance for students studying abroad also assists and supports them in navigating the host country’s healthcare system. It makes the task of finding appropriate medical facilities and professionals easy.
• Having the right health insurance ensures prompt and adequate care for students in the event of a minor illness, sudden injury, or even a severe medical condition.
• It offers a sense of security and ensures that students can fully embrace their educational experience abroad, knowing their health and well-being are protected.
• Securing a reliable health insurance plan before studying abroad is essential to prioritising students' health and overall well-being during their international educational journey.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the 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.

In a health insurance policy, the coinsurance clause depicts the fixed percentage of costs of a covered healthcare service that you must pay after you've paid your deductible. For instance, if your healthcare policy document states that you must pay 20% of the medical bill as coinsurance, you are liable to pay this fixed percentage while your insurer will pay the remaining 80%.

This cost-sharing ratio lasts until you share your out-of-pocket maximum. The insurance company bears the related medical expenses thereafter. Coinsurance, vital to the overall scheme of health insurance, serves as a medium where healthcare costs are shared between the policyholder and the insurer.

What is coinsurance in health insurance?

Coinsurance in health insurance safeguards insurers against hefty claims. The coinsurance clause stipulates a fixed percentage, which is mentioned clearly in the policy document. This percentage aligns with the maximum out-of-pocket expenses you can incur annually before your insurance covers the rest. For instance, you get hospitalised, and the medical bill comes to INR 20,000. If your policy states that you must pay 20% of the total amount as coinsurance, you must pay INR 4,000 while your insurer will settle the remaining 80% (i.e., INR 16,000) of the billed amount.

Although the coinsurance percentage remains intact, policyholders must first meet their deductible before coinsurance applies.

Difference between Copay and Coinsurance

Copay in health insurance refers to expenses a policyholder has to bear as a fixed portion of the total costs for medical treatment. However, the remaining expenses are borne by the insurer. The policyholder must pay a fixed amount or percentage of the total cost. 

Copay and coinsurance differ in various aspects. 

Differences between Coinsurance and Deductible

A deductible is a fixed amount a policyholder has to pay before the insurer starts contributing towards the medical treatment. For example, if your policy necessitates a deductible of INR 5000, you will have to bear treatment expenses of up to INR 5000 before the insurer starts paying. 

Deductibles differ from coinsurance payments on a few criteria:

Conclusion 

Comprehending the notion of coinsurance in health insurance is comparable to working with your insurer to manage medical costs. Coinsurance in health insurance ensures that financial responsibilities are distributed fairly by splitting the expenses after you pay the deductible. 

Choosing a comprehensive health insurance policy with coinsurance features is smart if you want to maintain your financial stability and be ready for medical emergencies. For financial security and peace of mind, embrace this team-based approach to healthcare coverage.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the 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.

Numerous diseases, infections, and several other health-related problems are becoming increasingly common. A medical exigency can wipe out your savings and cause financial distress.

Hence, opting for a comprehensive health insurance policy that fits all your healthcare requirements and budget is essential. When you decide to purchase a health insurance policy for yourself, you might come across different terms such as deductibles, copayments, etc. Here, we will try to cover the difference between copayment and deductible so you know how they affect your policy.

Copayment vs Deductible — Which is Better?

So, what is the difference between copay and deductible?

The deductible is a crucial factor in determining when your coverage kicks in. Essentially, it's the threshold your medical expenses must cross before your insurance policy starts paying.

For example, Ms Riya has a health insurance plan with a coverage of INR 2,00,000 and a deductible of INR 15,000. For her to tap into her insurance benefits, her medical costs must surpass INR 15,000.

A copayment is the portion of your claim that you have to cover yourself. This idea stems from sharing the financial load of insurance between you and the insurer. A copay can be a fixed amount or a percentage of your plan's sum insured.

For example, Mr Raj’s health insurance plan has a sum insured of INR 2,00,000 with a 10% copay. If he files a claim for INR 80,000, he’ll need to pay INR 8,000 (i.e., 10% of the claim), and the insurer will cover the remaining INR 72,000.

We will try to bring out the difference between the two in the table below.

The above table clearly illustrates the difference between copay and deductibles. Both of them account for a reduction in healthcare policies. The lower your deductible, the higher your premium will be. Similarly, the higher the copay amount, the lower your premium will be. Understanding the difference between copay and deductible is essential for selecting the right healthcare plan.

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.

Value-based care is crucial to the current healthcare revolution, which aims to reduce rising costs and improve patient outcomes worldwide. It emphasises the importance of revamping delivery systems and prioritises arranging treatment around the objective of value for patients. Streamlining services in the healthcare sector with a focus on value-based care will not only result in improved patient outcomes but also positively impact the economy.

Value-Based Care Meaning

Let us first understand what is value-based healthcare.

Value-based healthcare refers to a model of care delivery wherein hospitals and doctors get paid according to the results of their patients. This model correlates with how well the patient has achieved his/her health goals and not the fee-for-service result. The healthcare provider is encouraged to focus on the health and recovery of patients, treating chronic conditions, and increasing preventive care. 

The "value" is a result of what happened in terms of the health outcomes and to what cost they are achieved. This approach results in a shift in healthcare delivery, prioritising quality over quantity. By orienting rewards with outcomes, value-based care strives for the best patient health outcomes while keeping costs in check. 

Benefits of Value-Based Healthcare Delivery

Now that you know value-based care meaning, let’s look at its advantages. The following are some significant benefits of value-based healthcare delivery:

· Better Health and Lower Cost for Patients

Patients' health outcomes improve, resulting in less monetary burden on them. Managing and treating chronic diseases that require long-term treatment, such as diabetes, hypertension and cancer, prove to be less expensive. Value-based healthcare eases costs for patients as there is less need for doctor consultations, diagnostic tests, and medication, leading to improved overall well-being.

· Economy and Patient Satisfaction

By emphasising the prevention-oriented approach to therapies and reducing the time required to manage chronic conditions, the efficiency of care providers is increased alongside patient satisfaction. As priority is given to quality instead of volume, it reduces the risk of suffering financial loss from capitated payment.

· Price positioning alignment with patient performance

Suppliers can align products and services, leading to enhanced patient performance and lower costs. Stakeholders in the healthcare domain are recommending the alignment of the prices of medicines to their actual value to patients.

· Improved Coordination and Reduced Risk

Value-based healthcare ensures continuous coordination of care. Service providers can work jointly more often, communicate efficiently, and share information to achieve more consistent, high-quality patient care as they shift in and out of different care settings. Also, fewer claims will result in less drainage of insurers' investments and pools. Insurers will face reduced risk and can even bundle payments covering the entire care cycle or any chronic condition over a stipulated period.

· Data-Driven Decision Making

The value-based healthcare model is supported by research-based evidence and accountability assessments. Using data on patients' results, spending, and resource utilisation, healthcare providers can identify areas for improvement, take evidence-based actions, and track progress. This data-driven approach allows healthcare providers to make well-informed decisions.

Conclusion

Value-based healthcare is an innovative approach that seeks to reduce expenses and improve patient outcomes. It encourages preventative care, chronic illness management, and patient education by rewarding healthcare providers based on patient health outcomes rather than procedures and fees. Patient satisfaction is enhanced by this approach to provide quality healthcare. A comprehensive health insurance plan and value-based care will go a long way in encouraging efficiency, cost savings, and greater cooperation throughout the healthcare domain.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the 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.

There is an alarming rise in non-communicable diseases in India. Moreover, a recent study by Insurtech company Plu points out that medical inflation has reached 14% in India. If we look at the Out-of-Pocket Expenditure (OOPE) in total Health Expenditure in India, it stands at 47.1%. Although there has been a decline in OOPE, these statistics point out the importance of investing in a health insurance policy.

A health insurance policy not only covers hospitalisation and treatment costs but also includes day care procedures and alternative treatments. A significant number of health insurance plans offer a cashless treatment facility across a wide network of hospitals in India, which is incredibly beneficial in emergencies. Several health insurance policies also cover the cost of hospital room rent during your stay.

Apart from the benefits of health insurance discussed above, it is also a wise financial investment. This is because health insurance is also a tax-saving instrument.

So, let’s look at the answer to the question, “Is health insurance worth it?”

Is investment in health insurance worth it?

Here is why purchasing a health insurance policy is worth it.

Health insurance not only covers hospitalisation costs but also includes OPD visits, diagnostic tests, medications, and both pre- and post-hospitalisation expenses.

Most healthcare expenses are for treatments that do not require a 24-hour hospital stay. Nowadays, even such procedures are covered under health insurance policies.

Nowadays, health insurance plans also cover alternative therapies (AYUSH) like Ayurveda, Unani, Homoeopathy, etc.

The facility of availing cashless hospitalisation simplifies the process of getting quality healthcare at a healthcare establishment of your choice during emergencies; the insurer settles your medical bills directly with the hospital, and you don’t have to worry about paying anything upfront.

Healthcare plans offer room rent coverage. The exact coverage for room rent depends on each policy; some policies offer full coverage, and others a specific percentage.

Policyholders can avail of a tax rebate on premiums paid for a healthcare plan under Section 80D of the Income Tax Act, 1961.

• If you pay health insurance premiums for your family and your age is less than 60 years, you are qualified to receive a tax deduction of Rs 25,000.
• If you pay health insurance premiums for yourself and your parents aged less than 60, you can claim a tax rebate of Rs 50,000 (Rs 25,000 for yourself and Rs 25,000 for your parents).
• If you pay for your parents' health insurance, too, you can claim a Rs 75,000 deduction if they are senior citizens. (Rs 25,000 for yourself and Rs 50,000 for your parents).
• If you and your parents are both above 60 years old, you can claim about Rs 1,00,000 in deductions. You can claim Rs 50,000 each for you and your parents.

Conclusion

Now that you know why health insurance is a worthy investment, consider opting for a comprehensive healthcare plan. Apart from coming to the rescue in a health crisis, a health insurance policy is also a tax-saving instrument. Health insurance is not an expense but a crucial investment in today’s times, when both the incidence of diseases and healthcare costs are only rising.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the 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 of the most significant concepts or terms in a health insurance plan is “Sum Insured.” This fundamental concept directly impacts the financial coverage a health insurance policy offers. Understanding the “Sum Insured” will aid in making an informed decision about healthcare coverage.

So, let’s delve into what is the sum insured in health insurance and understand its meaning. We will also look into its effect on your premiums. 

How to Choose the Right Sum Insured in Health Insurance?

The term “Sum Insured” means the maximum amount the health insurance company will pay for the medical expenses incurred, provided they are approved. So, the question arises: “How to choose the right sum insured in a health insurance plan?” The following factors will help you decide the right sum insured:

• Healthcare Costs

The healthcare costs differ from region to region. The prevailing cost of medical treatment in your region will significantly impact the sum insured. For instance, healthcare costs in Tier 2 cities are lower than those in metropolitan cities in India.

• Medical History and Risk Profile

Individuals with a pre-existing medical condition or a family history of certain ailments may need a higher sum insured to be able to adequately cover the risk of the clinical condition. The insurers assess the risk profile of the applicant to be able to decide the right amount of sum insured.  

• Age and Number of Family Members

Age plays an important role in determining the sum insured. Whether you select an individual plan or a family floater will also affect the sum insured. 

• Lifestyle

Lifestyle plays a major role in determining your health condition. Factors such as your occupation, geographic location, lifestyle, and drinking or smoking habits will impact your health and consequently influence the sum insured. 

How Does Sum Insured Impact Health Insurance Premiums?

Your healthcare plan’s sum insured impacts your premiums. Let’s look at it closely.

• Coverage Limit: The sum insured determines the maximum amount the insurer will pay for your medical expenses.
• Customisation and flexibility: Health insurance policies offer flexibility in selecting the sum insured based on individual needs, preferences, and budgetary constraints. The policyholders are free to choose the sum insured to meet their anticipated healthcare requirements and budget.
• Cost of Insurance: The sum insured directly impacts the cost of health insurance premiums. The greater the sum insured, the higher the premium and the greater the scope of coverage. On the contrary, a lower sum insured will mean a lower premium but also impose the risk of higher out-of-pocket expenses in case of a claim.

Conclusion

An adequate sum insured will ensure you can avail of quality healthcare at a hospital of your choice without worrying about the financial aspect. Make sure that you are not underinsured. Consult your insurer and select a policy with an adequate sum insured, as it will ensure minimum or no out-of-pocket expenses when you make a claim.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the 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.

A waiting period is a common feature of health insurance policies. It is the time after investing in a health insurance plan during which the policyholder is not eligible for coverage of certain medical treatments or conditions.

For example, let’s say Ramesh purchases a new health insurance plan on January 1st, but the policy has a 2-year waiting period for coverage of pre-existing conditions. Ramesh has a pre-existing condition that requires regular medical attention. But he will have to wait until January 1st of the third year from the policy’s date of purchase before his health insurance plan will cover any expenses related to that condition. During this waiting period, Ramesh will have to pay out of pocket for medical expenses related to his pre-existing condition.

Why are there waiting periods for health insurance policies?

There are several factors as to why is there a waiting period for health insurance, such as verification of a policyholder’s details, cost management, preventing adverse selection, and reducing financial risk. Let us look at these factors a bit closely.

During the waiting period, insurance companies verify the details of the policyholder. It includes checking the medical history of the policyholder, any pre-existing conditions, and other information that could impact the coverage offered by the policy. This verification process ensures that the policyholder is eligible for the coverage offered by the policy and that the insurance company does not have to payout for any medical expenses not covered by the plan.

Health insurance policies are expensive, and insurance companies use waiting periods as a cost management tool. With waiting periods, insurance companies can offer policies with lower premiums, making them more affordable for individuals who may not be able to afford a policy with immediate coverage. Additionally, waiting periods help insurance companies manage their costs by reducing the frequency of claims made by policyholders.

One of the main reasons for a waiting period is to avoid adverse selection. Adverse selection occurs when people buy a policy only when they need medical treatment. For example, if someone has a pre-existing condition and buys a health insurance policy, they are likely to file a claim soon after. The waiting period protects insurers from such incidents.

Another reason for the waiting period is to reduce the insurance company's financial risk. The act of buying a health insurance policy transfers the responsibility of paying for medical expenses from an individual to the insurance company. If an individual were to make a claim immediately after purchasing the policy, the insurance company would be at a higher risk of incurring a loss. Therefore, the waiting period allows the insurance company to mitigate this risk and ensure they do not suffer a financial loss.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the 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.