Being well-prepared is key when faced with a sudden and serious illness. That's why investing in a suitable critical illness insurance plan is essential. With these measures in place, you can have peace of mind, knowing you're financially and physically protected. Keep reading to discover how to select the best critical illness policy that fits your requirements and understand its importance.

What are the Features of Critical Illness Insurance Plans?

In this era of skyrocketing medical expenses, critical illness insurance coverage is more than just a safety net. It becomes akin to a requirement. Usually, the best critical illness insurance plans provide the following:

• Lump Sum Benefit: After you are diagnosed with an illness under the coverage, you will get a lump sum payment. This sum can cover medical expenses, rehabilitation tools, or anything else that may arise while you get well.

• Coverage for Many Illnesses: Most plans often cover heart disease, cancer, stroke, and other illnesses. This guarantees that serious health concerns are addressed.

• Simplified Claims Process: These plans usually have a straightforward claims process. It makes it less stressful during critical times.

• Protection from Loss of Income: The lump sum provided by this insurance coverage can serve as a replacement for income.

• Tax Benefits: You can also enjoy tax deductions under certain sections of the Income Tax Act in addition to health coverage.

Checklist to Select the Best Critical Illness Insurance Plan

Make sure you have complete coverage when needed by choosing the appropriate critical illness health insurance. This checklist should be very helpful if you're struggling to decide which plan suits you best. Use this table to compare policies and choose the most suitable one:

Conclusion

Your future well-being and financial security depend on your obtaining critical illness coverage. These plans offer a vital financial safety net to alleviate the heavy burden that major health problems can cause. Let providers manage the finances so you can focus on getting better. Picking the right plan is crucial for the sake of your family's financial security and your own health. Having this policy in place is a preventative measure to deal with possible financial concerns associated with health as healthcare expenses are on the rise.

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 It may contain outdated data and information regarding the Insurance industry and products.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 C-peptide test is an important method for determining insulin production. In this article, we'll learn about C-peptide normal levels and their significance. This will help you with diabetes diagnosis and other medical disorders.

Normal Test Results For C-Peptide

C peptide normal values range between 0.5 and 2.0 nanograms per millilitre (ng/mL). This test measures insulin production, which is crucial for diabetes diagnosis and management. A high C peptide level may indicate type 2 diabetes, whereas a low level may indicate type 1 diabetes. This test assists the physician in determining the patient's condition and developing a care plan.

If you have health insurance, it will always come in handy if your test results have high C peptide levels.

Conclusion

The C peptide test normal range is essential for assessing the body's insulin release. Its accurate assessment results in better patient care, which simplifies and effectively diagnoses diabetes and related disorders.

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 becomes more important as we age, particularly for older adults over sixty years. Health insurance plans provide financial protection and mental peace in case of unanticipated sickness. Read on to analyse the importance of health care coverage for individuals above 60 years and the aspects that must be considered before selecting a plan.

Pros of Buying Health Insurance for People Above 60

There are several advantages to purchasing a health insurance plan above 60 years of age. A few are as follows:

• Comprehensive Coverage: Health insurance includes hospitalisation, medical bills, and, in some cases, outpatient services. This ensures that you won't face financial hardship when seeking medical assistance. Insurance also covers major chronic illnesses that can occur even when you are in good health.
• Preventive Care Benefits: Many plans have benefits relating to health promotion programs, such as regular check-ups and preventive screening tests. These may help in early detection and management, enabling people to live longer, healthier lives.
• Financial Security: A health insurance plan above 60 years can allow individuals to prioritise essential healthcare needs without worrying about financial strain.
• No Claim Bonus: For many policies, every claim-free year results in an increased assured sum or reduced premium, thus encouraging good health management habits and appropriate use of medical resources.
• Wide Hospital Network: Most insurance companies partner with a network of hospitals, ensuring the availability of cashless medical care services nationwide.

Why Individuals over 60 Must Have Health Insurance

Health insurance plans are akin to essentials for individuals over 60. The primary concern is that older individuals are at higher risk of various health issues, necessitating financial preparedness for potential emergencies. Therefore, having insurance ensures access to quality medical care while maintaining savings. Furthermore, these policies safeguard against rising hospitalisation costs, which can be significant during old age.

Another advantage of these policies is peace of mind, knowing they provide protection in unexpected health situations. Health insurance policies also encourage early detection and treatment through coverage of preventive check-ups, promoting proactive healthcare behaviours among retirees and improving overall health outcomes and quality of life in this age group.

What to Consider When Buying Health Insurance for People over 60?

If you're looking to purchase health insurance, you should consider several factors so that you may access the appropriate policy:

• Coverage Limitations: Before enrolling in any plan, it's crucial to verify if there are provisions for pre-existing conditions or co-pay clauses. This step is essential because certain policies may impose waiting periods before providing coverage for pre-existing conditions.
• Premiums and Deductibles: To find an appropriate policy that works within your budget, compare the premiums and deductibles on different plans. Can you afford the premiums over the deductibles, which increase your out-of-pocket expenditure?
• Network Hospitals: Ensure your provider is partnered with hospitals near your workplace and home. An extensive network of hospitals guarantees better healthcare services without travelling long distances.
• Policy Renewal Age: As you age, consider choosing plans with more comprehensive renewal age limits. A policy with an extended renewability age offers peace of mind due to guaranteed health expenditure coverage in the future.

Conclusion

For individuals over 60, it is important to consider health insurance as an essential investment as it provides financial stability. Ensure that you conduct appropriate research and compare policies to select one that suits all 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.

Introduction

If one has a pre-existing medical condition, it is hard to get affordable health insurance coverage. Most insurance companies are not ready to provide coverage for pre-existing diseases right at the beginning of the policy. This is because there is a high chance that you may file against those conditions. However, with some research and understanding of how individual health insurance that covers pre-existing conditions is dealt with, getting a policy that meets your needs will not be hard.

Can You Buy an Individual Health Insurance Policy that Covers Pre-Existing Diseases?

It is possible for you to purchase an individual health insurance policy covering already-existing illnesses. There are, however, certain things you need to know. IRDAI defines a pre-existing condition as any illness or medical condition diagnosed up to 48 months before purchasing the policy. These may include chronic conditions like diabetes, asthma, and high blood pressure.

Most health insurances cover pre-existing diseases after a certain medical waiting period. It could be a two-to-four-year time, though, which might vary from insurer to insurer or from one ailment to another. In some policies, there may be an option to buy a rider to reduce this waiting period, but it is added as an extra premium.

Why You Should Disclose Your Pre-Existing Medical Condition?

It is essential to come clean regarding pre-existing conditions in the case of health insurance applications. Therefore, you must be transparent since hiding a condition later to be discovered may mean your insurance claim getting rejected. Worse still, this may lead to the cancellation of your policy on grounds of fraud. The most important thing is to eliminate the chances of a problem occurring by being upfront about your health status.

Conclusion

It is easy to find an individual health insurance policy, but it is very imperative that you get the right one that covers pre-existing conditions to manage your healthcare needs. Just be honest about your medical history, compare various policies, and consider the waiting periods and their related costs in the process. This way, you will achieve the coverage you need to protect your finances.

Remember, health insurance does demand an understanding of your choices and maximum transparency between you and your insurer to achieve the best coverage without surprises at the time of the claim.

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 cost you bear towards your health insurance referred to as the composite rate, is something you cannot ignore. The two most often used terms in health insurance, ‘composite rate’ and ‘premium’ are essentially the same thing at the core.

A composite rate is an insurance premium based on the average risk profile of a group as opposed to the risk profile of a single policyholder. Composite rate and premium, both, relate to the overall amount you spend to fund your health insurance in any given timeframe, with one year often being the most common measure. A health insurance composite rate calculator can be used for estimating insurance pricing and risk assessment.

How is Health Insurance Premium Calculated?

The health insurance premium is calculated considering the following factors:

• Age: The older we are, the more likely we are to become dependent on one or more medical services. Thus, the common trend is that the young have to pay less premium than their older counterparts.

• Medical History: Pre-existing medical conditions can also dictate the cost of your insurance. Some insurance companies charge high premiums for pre-existing diseases.

• Location: The premiums of the insurance might be slightly higher in regions that bear higher medical expenses compared to those with lower expenses such as rural regions.

Additional Factors That Determine the Composite Rate

Some additional factors that determine the composite rate are:

• Sum Insured: This is the maximum financial help that a health insurance policy shall contribute to the payment of the medical bills. The amount that you get to insure under the policy works hand in hand with the money you pay as a premium.

• Policy Type: The cost of health insurance policies differs based on the coverage they offer. An all-encompassing plan will cost more than a completely bare-bones basic one.

Conclusion

A health insurance composite rate calculator helps you find your way around the key aspects of health insurance costs. When the elements influencing the premium become familiar to you, it becomes easy to choose the right health insurance plan with the optimal degree of coverage and pricing. So, always do your research to avoid any major headaches or wallet issues later on!

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.

Sometimes, people overlook the importance of individual health insurance because they believe family health plans serve the same purpose. Although both have the same implications, they are different. Individual health insurance covers a single insured person in a family for medical bills, hospital stays, doctor visits, surgeries, and tests, besides other hospitalisation costs. Buying individual health insurance for every member of the family is beneficial as adequate financial coverage is needed against rising medical inflation.

Add-ons can also be purchased to expand the coverage of the base policy. With an individual health insurance plan, an insured can enjoy getting treatment without paying upfront, as insurers arrange for cashless hospitalisation.

Top Advantages of Opting for Individual Health Insurance

●     Extensive costs coverage

Individual health insurance plans can be customised as per the individual's requirements. The benefit of tailor-fitting the plan makes it a cost-effective option, which will cover costs of hospitalisation, doctor consultation, surgeries, diagnostic tests, and even pre- and post-hospitalisation expenses. Extensive individual health insurance benefits offer peace of mind, as the insured can be assured of being financially prepared for any medical contingency.

In case of emergency, when an ambulance is hired, the individual health insurance policy also provides up to ₹3000 for the vehicle charge under hospitalisation coverage.

●     Cashless claim facility

With the individual health insurance plan, the insured can enjoy cashless hospitalisation, in which the insurance company settles hospital or nursing home bills directly. The benefit of cashless hospitalisation comes in handy in medical emergencies. To avail of this facility, the policyholder should inform the insurer 48 hours before the planned admission or within 72 hours of emergency admission.

 Also, the hospitalisation has to be done in a hospital enlisted in the insurer company’s network. The policyholder's time and paperwork are saved while the insurer settles the hospital bill. Most health insurance policies also offer the benefit of a free annual health check, which helps the insured keep track of their health and take timely medical intervention if needed.

●     Daily hospitalisation alliance

Some insurance companies also first pay the insured the daily hospitalisation allowances, which is a predetermined amount for each day the policyholder spends in the hospital. To avail of this facility, the policyholder has to spend a minimum number of days in the hospital (predetermined in the policy).

Individual health insurance policies also cover domiciliary treatment. This means that when patients’ health conditions do not permit them to move to the hospital or if a bed is not available at the medical facility, they can avail of home treatment under a doctor's supervision. The insurer will cover the treatment cost.

●     No claim bonus

Individual health insurance rewards policyholders for maintaining good health. This is done through the no-claim bonus (NCB) process. NCB is offered to the insured if the person does not make any claims during a year. The bonus can be either an increased coverage amount or a reduced premium cost.

●     Tax benefits

The premium paid for individual health insurance qualifies for a tax deduction under Section 80D of the Income Tax Act of 1961. Thus, the policyholder not only gets financial benefits but can also enjoy reduced tax liability by investing in an individual health insurance policy. Buying individual health insurance also includes cost-effectiveness, as it is less expensive than family or group health insurance coverage.

Individual health insurance benefits are maximum for individuals with high health risks. It means more protection and quick claim settlements.

Conclusion

Each individual's healthcare needs are different. An individual health insurance plan enables customisation of policy according to the requirements of age, pre-existing medical conditions, and preferred medical facilities. This allows for making the most of an insurance coverage plan. An individual health insurance policy offers lifelong renewability, implying the policyholders can be assured of being well covered for medical expenses throughout their lives. Make sure to evaluate different plan benefits and choose the one that offers maximum coverage. Also, check if you are getting critical illness coverage in your health plan or else get it as an add-on benefit to cover health conditions like stroke, heart attack, cancer, or kidney failure.

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.

Tuberculosis (TB) is an infectious disease that primarily affects the lungs, although it can also impact other organs. TB is transmitted through the air from one person to another, with most transmission occurring when an individual with active pulmonary TB coughs, sneezes, or talks.

The risk of acquiring TB is higher among HIV-positive individuals, as they are considered immunocompromised.

Is Tuberculosis Communicable?

Is TB contagious? Unfortunately, yes.

Tuberculosis is one of the communicable diseases that can be easily transmitted from one person to another through both direct and indirect means. Interestingly, not everyone who has TB poses a threat, as only individuals with active TB can spread the infection.

But how is tuberculosis transmitted? TB is typically transmitted in areas where healthcare facilities are scarce or where individuals discontinue their medication due to indifference, which in turn leads to the accelerated proliferation of drug-resistant TB.

How Does Tuberculosis Spread?

Tuberculosis spreads through the following means:

• By the means of air when an infected person coughs, sneezes, talks or even sings.
• By inhaling the bacteria that are in the air where ventilation is limited.
• Close, constant contact with an active TB patient poses a significant risk for the transmission of the bacteria.
• On less frequent occasions, contaminated materials and surfaces are responsible for the spread of TB. However, this method of spread is not very common.

Conclusion

Understanding how TB is transmitted is crucial in controlling its spread, especially in environments with higher risks, such as crowded places or among individuals with compromised immune systems. More than 40% of India’s population carry the tuberculosis infection in their bodies. To prevent TB transmission, early detection, proper treatment, and ensuring that infected individuals complete their prescribed medications are crucial steps. It is also necessary to acquire a comprehensive health insurance policy to access quality and affordable healthcare in times of medical emergency.

A health insurance policy often covers the costs of TB testing, diagnosis, and treatment, so it’s essential to review your coverage and ensure you are protected in case of sudden illness.

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.

Rubella is a skin condition that can affect the lymph nodes and have various implications. But is rubella contagious? Unfortunately, yes. Children are more susceptible to rubella due to lower immunity levels, which increases the rate of spread. The main way that the virus spreads is by respiratory droplets. A patient with rubella must be kept in complete isolation; not adhering to basic isolation rules can lead to a quicker virus spread.

Read on to understand how is rubella transmitted.

Is Rubella Communicable?

Rubella’s spread is more rapid among individuals with weak immune systems, who are more likely to catch the virus.

Typically, the first week after contracting rubella is when you are most likely to infect others. However, once the rash disappears, the chances of transmission diminish.

Vaccination is essential to curb the spread of this disease. Unfortunately, many people are unaware of the seriousness of rubella and do not take precautions to prevent its transmission, leading to a faster spread.

How Does Rubella Spread?

It is important to be aware of how is rubella spread. The following are some ways that the disease can spread:

• Touching the Contaminated Area: Many people are not aware that they have rubella, making them more likely to touch contaminated areas. The virus has a brief survival period on surfaces. When a non-infected individual touches these areas and then their face or nose, it can lead to the spread of rubella.
• Coughing and Sneezing: Once an individual with rubella coughs or sneezes, the virus can spread in droplets. People who are near the contaminated air can inhale the virus and develop rubella.

The chances of infecting others are highest during the week following the appearance of the rash.

Conclusion

Now that we understand how rubella spreads, it is important to follow precautions. If you have developed rashes, ensure that you isolate yourself. This can enhance your chances of healing and help curb the spread of the virus. A health insurance plan can also provide you access to affordable and quality healthcare. Comprehensive insurance will also protect you from financial burdens in times of sudden illness.

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.

Introduction

Having a baby may be exciting, but let's face it: it may also quickly become very expensive. That's where individual health insurance with maternity coverage comes in to save your wallet. Essentially, it assists in taking care of the costs that come with having a baby—from those essential prenatal checkups through delivery and even some postnatal care. Think of it like a financial security blanket to get to the good stuff—like picking out tiny socks and prepping the nursery.

How does it all work? Let’s check in detail.

What are the key benefits of maternity health insurance plans?

Maternity health insurance plans give much more than a monetary safety net. They cover all prenatal tests, check-ups, delivery, and postnatal care-related expenses. Some even extend coverage to your newborn so that they get the best possible start in life. And the best part? If you buy your health insurance policy online, it's hassle-free.  Additionally, you get to compare plans, customise coverage, and complete your purchase anytime, anywhere—without the need for lengthy paperwork!

Who can benefit from an individual maternity health insurance cover?

Individual health insurance with maternity coverage is a great option for:

• Self-employed individuals: If you don't get health benefits from an employer, this type of plan ensures you're covered.
• Couples who want more comprehensive coverage: Sometimes, employer-provided plans might not offer the level of maternity coverage you need. An individual plan lets you customise your benefits.
• Anyone planning to start a family soon: It's wise to get coverage in place before you conceive, as there are often waiting periods.

Can husband and wife both claim maternity insurance in India?

Yes, both husband and wife can claim maternity insurance, but they have to check if their respective plans allow dual coverage or limit it somehow. This may come in handy while managing total costs, including maternity and neonatal care.

Third childbirth and maternity insurance plans

Generally, maternity coverage is provided only for the first two childbirths, as subsequent pregnancies are considered high-risk. There are very few plans that do cover a third childbirth, though the premium would undoubtedly be higher and the waiting period even longer. So, discussing special needs at length with the insurance provider and understanding all policy terms and conditions in the purest sense of the word is necessary.

The right time to purchase individual maternity health insurance

The best time to buy a maternity health insurance policy is before you plan for a baby. Most policies have a waiting period; hence, one should have it in place way before getting pregnant to get benefits. Early planning not only ensures that you are covered but also saves you from financial strain due to sudden medical bills.

Conclusion

Bringing a new life into the world is an incredible experience, but it also comes with financial challenges. So, buying individual health insurance with maternity coverage that gives you the financial peace of mind to fully embrace this journey becomes necessary. Remember, early start, cover options, and the chosen plan- all go a long way to ensure that your family is well cared for while you enjoy this particular time without worrying about the 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.

Influenza is an extremely common and communicable disease that spikes in incidence during changing weather. Read on to learn how is influenza spread.

Is Influenza Communicable?

The contagious period typically begins one day before the onset of illness and lasts for 5 to 7 days after falling ill. Infants, older individuals, and those with immunocompromised conditions may remain infectious for longer periods, making it imperative to observe certain preventive measures.

But how does influenza transmit?

This respiratory virus primarily spreads through liquid or droplet aerosols from an infected individual during talking, coughing, or sneezing. A flu outbreak can spread rapidly due to influenza’s transmissible nature, especially in crowded spaces like schools, public transport, and offices. The best way to prevent the flu and mitigate the impact of infection on those who contract it is to take preventative measures, such as wearing appropriate clothing and masks.

How Does Influenza Spread?

Influenza is spread through the following means:

• Most transmission occurs through respiratory droplets produced when people talk, cough, or sneeze.
• Touching an infected surface with a hand and then rubbing that hand on the face, particularly focusing on the eyes, nose, or mouth, can facilitate the spread of infection.
• When an individual comes into direct contact with an infected person, such as during handshakes or kisses, transmission can occur.

Conclusion

Influenza is contagious and communicable. It spreads easily through sneezing and the rapid movement of cough droplets, as well as through touching infected surfaces.

While influenza is not typically harmful, it can lead to a progression of illness due to the resulting compromised immune system. When infected with influenza, you become susceptible to other serious illnesses. Additionally, if you are immunocompromised, influenza can pose a significant health risk.

A comprehensive health insurance policy can protect you from the repercussions of diseases like influenza. Health insurance plans provide access to appropriate healthcare and help alleviate the associated financial burdens.

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.

In today’s fast-paced world, medical emergencies can strike like a bolt from the blue and may take a significant toll on our pockets. That is why purchasing the best individual health insurance policy is very important to protect you and your family members from such odds. With so many options, it is essential to navigate the market carefully and make an informed decision. Here is a detailed checklist that will guide you through the process of selecting the perfect health insurance plan that caters to your unique needs.

How to Select the Best Individual Health Insurance Policy?

To choose the best health insurance policy, you should consider the following factors:

Choose an Adequate Sum Insured Amount

The sum insured is the maximum that an insurance company can pay for your medical expenses during the policy period. So, consider age, previous medical history, and future health needs while choosing your coverage. As a general rule, target the sum insured to be at least 5 to 10 times your annual income. Don't sell yourself short here. Medical costs can quickly spiral, and you have to be well-prepared.

Choose the Right Coverage Type

While choosing any health insurance policy, consider the interests of your entire family. Though an individual plan promises to give you maximum coverage, a family floater plan can be very cost-effective. The sum insured should be sufficient to pay for more than one member's hospitalisation.

Check the Pre-existing Disease Waiting Period

If you have any pre-existing health conditions, pay close attention to the waiting periods imposed by the insurer. Some may have an elimination period of up to 4 years. So, choose a plan with the shortest waiting period to cover your needs sooner.

Pick an Insurer with a High Claim Settlement Ratio

The claim settlement ratio refers to how reliable an insurer is. It tells how many claims the insurer has settled out of those received. Look for companies with a claim settlement ratio above 85%. This indicates their strong record of honouring their commitments.

Check for Cashless Hospitalisation

Cashless hospitalisation at network hospitals can be a lifesaver during emergencies.  This is because you won't have to worry about paying hefty bills upfront. Check that the insurer you choose has quality hospitals near you in their network.

Check for Smooth Claim Settlement Process

Familiarise yourself with the insurer's claim settlement process, the amount of documentation involved, and, most importantly, the response time for claim processing. This will ensure that you don't experience any problems when you finally have to file one for yourself.

Compare Premium

While the premium amount shouldn't be the sole deciding factor, it's still important to choose a plan that fits within your budget. Weigh the premium against the coverage and benefits offered to ensure you get the best value for your money.

Check the Reviews

Reviews and testimonials can reveal how reliable and customer-friendly an insurer is. Spend time online to see what people say about your prospective insurer.

Read the Policy Exclusions

It’s crucial to understand what is not covered by your policy. Common exclusions include cosmetic surgery, dental treatment, and certain types of alternative medicine. Knowing these can help you avoid unexpected expenses during a claim.

Conclusion

Checking off each of these points detailed above will help you navigate the world of individual health insurance. It will also ensure that your plan appropriately balances comprehensive coverage with affordability. Remember that your health is your very instrumental and invaluable asset. The right policy today can set one's mind at peace and bring financial security for many years.

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.

COVID-19 is a disease that spreads easily from person to person. This infectious disease, caused by the SARS-CoV-2 virus, can quickly be transmitted, particularly in crowded environments where individuals are in close proximity. Even before a patient shows symptoms, they can already transmit the virus, making early diagnosis challenging in some cases. Read on to understand how does covid 19 transmit.

Is COVID-19 Communicable?

Yes, COVID-19 is a contagious disease infection and so it can be passed from one individual to another. But how is COVID 19 spread?

The illness is usually transmitted through droplets of body fluids from an infected individual. Other important modes of transmission include inanimate objects, although this is relatively less frequent than contact with people.

The infectivity period for COVID-19 begins two days before the onset of symptoms and can extend for at least 10 days or more, depending on the severity of the infection and the individual's immunity.

Due to its ability to spread in crowded, poorly ventilated areas, COVID-19 necessitates public health actions such as vaccination, wearing face masks, and maintaining physical distance, along with other public health measures to help eradicate the virus.

How Does COVID-19 Spread?

COVID-19 is transmitted through the following means:

• It spreads primarily through coughs and sneezes, but it can also be transmitted during simple talking and breathing.
• COVID-19 also spreads through aerosols, which are finer in size and remain suspended in the atmosphere, especially in enclosed rooms.
• It can also spread through touching contaminated surfaces and then touching one's face, particularly the eyes, nose, or mouth.
• It spreads through close physical contact with an infected person, such as handshakes or hugs.

Conclusion

Now that we know how COVID-19 transmits, effective prevention mechanisms, such as wearing masks and keeping social distance, must be followed. 

Vaccination can slow the spread of the virus and minimise the severity of the disease. Health insurance plans often include consideration of health risks related to COVID-19, such as testing, treatment, and vaccinations. It is advisable to acquire a comprehensive policy that grants you access to affordable and quality healthcare in times of illness.

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.

Yes, chickenpox is contagious, and an individual infected with the disease can easily spread it to others. But how is chickenpox transmitted? The condition is caused by the varicella-zoster virus (VZV) and can spread rapidly between individuals. People who have never been infected or vaccinated against chickenpox are at a high risk of contracting the virus. Read on to learn how does chickenpox transmit.

Is Chickenpox Communicable?

Chickenpox is communicable and can be passed from one person to another.

But how is chickenpox spread? The primary mode of transmission is through the rashes of the infected person or through airborne droplets containing the virus from a cough or sneeze. This easy transmission makes chickenpox a significant health threat, especially for children and non-immunized individuals.

The contagious period typically begins 1 to 2 days before the rash appears and ends when the last blisters have dried and formed scabs. During this time, it is important to avoid going out and making contact with others to prevent spreading the virus.

How Does Chickenpox Spread?

Chickenpox spreads through the following means:

• By direct contact with blister fluids in the case of chickenpox.
• Through sneezes and coughs from an infected person over long distances.
• Sometimes, the virus can spread through contaminated surfaces, followed by hand-to-mouth actions.
• From a pregnant mother who contracts chickenpox during pregnancy, the virus can be transmitted to her unborn child.

Conclusion

It's important to note that chickenpox is highly communicable and spreads through direct contact or airborne transmission, making it easy to avoid through preventative measures. Vaccines can also significantly reduce the risk of infection, making them an important preventive measure.

Understanding how chickenpox transmits is crucial. Individuals with the infection should avoid close contact with others and maintain proper hygiene, especially in environments like schools and hospitals. Furthermore, health insurance plans often cover vaccinations and medical consultations related to chickenpox, so checking your policy to ensure comprehensive coverage in case of an outbreak is advisable.

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.

Critical illness insurance plans can be bliss for those suffering from a life-threatening disease. The waiting period of a health insurance policy means the time until which you won’t be able to raise a claim. The critical illness waiting period is 90 days. For pre-existing diseases, you will have to wait for 24 months. Your policy will get rejected if you raise a critical illness policy during the waiting period.

Types of Waiting Periods in Health Insurance

The waiting period means the time an insured has to wait before receiving some or all of their coverage benefits. During this time, the policyholder cannot raise any claims for their illness. There are three types of waiting periods.

• Initial Waiting Period: It is often called the cooling period. This kind of waiting period in health insurance restricts the insured from raising any claims for planned hospitalization or emergencies. This waiting period is usually 30 days.

• Waiting Period for Specific Diseases: Some diseases like hernia, cataracts, and arthritis are listed under specific diseases in your health insurance document. These require special long-term medical care, so, their waiting period is different from the initial waiting period. Usually, it is 1 to 2 years.

• Pre-Existing Diseases Waiting Period: This is the waiting period for declared pre-existing conditions. Diseases like thyroid, hypertension, diabetes, or any conditional ailment or injury diagnosed by your physician 48 months before buying your first insurance policy are termed pre-existing illnesses. Claims for these diseases can be made only after the waiting period and this may vary as per the insurer. So before buying the policy, you should check carefully.

Does Critical Illness Have a Waiting Period?

Most insurers create a critical illness waiting period clause of 90 days to prevent the policyholder from cheating the system. Many people purchase critical illness insurance when they are diagnosed with serious health issues and seek treatment after purchasing the plan. This is against the insurance's main purpose, which is to protect the interests of the insured against the unexpected. This ensures that the insurance policy doesn’t cover pre-existing conditions right away, encouraging policyholders to get the coverage while healthy. The waiting period ensures that the insured doesn’t use health insurance benefits for regular medical expenses.

Conclusion

Before buying the critical illness plan you should go through all the important terms and conditions mentioned in the policy document. Ensure that you check out the critical illness waiting period, exclusions, etc. Thus, you will be able to make the right decision and avoid all kinds of unexpected issues that may arise in the future.

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.  

No co-payment feature in health insurance can offer huge financial savings. With the help of no copay insurance, you can simplify the way you can access healthcare services. Traditional health insurance plans need the policyholder to pay copayments for availing various services, which add up quickly over time. With health insurance with no deductible and no copay, these costs can be eliminated, providing a more manageable and predictable healthcare budget. Many health insurance plans without a no-copay feature offer reduced-cost preventive or free services, like wellness check-ups, vaccinations, and screenings. This gives policyholders the freedom to prioritise their health and take the benefit of preventive care. While health insurance plans without a no-copay feature eliminate copayments, the insured may still have to pay other out-of-pocket costs, like deductibles, coinsurance, and expenses for services that are not covered by the policy. You must read your policy document carefully to determine any additional costs.

How to choose health insurance with no deductible and no copay?

No-deductible plans are perfect for individuals who expect high medical costs for the year. While choosing this you should determine how much health care is expected in the upcoming year. If you’re in the high-risk category, older, or have ongoing medical issues you may take advantage of a no-deductible plan. The main benefit of health insurance without copay is that the insurer will pay you for covered medical services immediately after you buy the policy. Some no-deductible health insurance plans come with high copays. If you feel that the monthly rate of such a medical insurance policy is too good to be true, you should look for potential downsides, like a limited number of providers in your area with in-network rates or a very high cost for the visit to a healthcare professional.

Conclusion

Unlike a traditional health insurance plan that requires the policyholder to pay a copayment for each medical service, medical insurance policies without a copay feature eliminate this upfront cost. With no copay health insurance plan, you may have to bear the brunt of other types of cost-sharing like coinsurance or deductibles. The specific coverage for medical services can vary among insurance providers. However, “no copay health insurance” covers a wide range of preventive health examinations like routine check-ups, and other healthcare services without the need for the insured to make copayments. You should carefully review your policy to know about the covered services.

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.  

With the rise in medical costs, there is added pressure on households to maintain reliable insurance to take care of health and hospitalisation costs. Choosing the best health insurance should be done with care as it comes in handy in times of dire need. With multiple plans available, let us look into the details of selecting a good policy.

How to Select the Best Health Insurance Policy in India?

The need for health insurance would vary for individuals. Various policies are designed to cater to the diverse needs of the population. Therefore, the best health insurance in India would differ for different people. Before fixing your mind on a single policy, you should weigh the pros and cons of buying it. Also, read the fine print of the policy in detail.

Choose an Adequate Sum Insured Amount

When medical emergencies happen in life, people often get burdened by medical costs. Even a normal hospitalisation and a small procedure can have huge charges. It breaks the financial stability of a person. So, to prevent such situations from happening, it is necessary to take a health insurance policy from the best health insurance company in India. Insure yourself and your family with an adequate sum that can compensate for basic procedures, major treatments, and hospitalisation expenses.

Select the Appropriate Coverage Type

There are individual and family floater plans in health insurance. The former covers a single person while you can get coverage for your whole family under the latter. Some of the best health insurance plans in India cover senior citizens in the family floater policy. The premium for these policies is high.

Check the Pre-existing Disease Waiting Period

Usually, there is a waiting period for pre-existing diseases. This will vary according to the insurance company. However, the best health insurance policy has no or very short waiting period. Therefore, this aspect should be taken into account before taking a policy.

Pick an Insurer with a High Claim Settlement Ratio

People should check the claim settlement ratio of the insurance company. This shows how many claims the insurer has paid in the past, against the claims received. This gives confidence to the insured that they can rely on the insurance company at the time of need. The best health insurance policy in India has streamlined reimbursement policies that avoid any delay in claim settlement.

Cashless Hospitalisation

Look for insurance companies that have tie-ups with specific hospitals in your area or nearby. Taking a policy from one of them will help you receive medical treatment at a network hospital without having to make out-of-pocket payments. The best health insurance plan will help settle the bills up to the limit specified in the policy.

Smooth Claim Settlement Process

All insurance companies have their own rules for claim settlement. The best medical insurance policy will have a smooth and hassle-free claim process that gets completed in the minimum time frame. So, check the typical claim settlement period of the insurer.

Know about Policy Exclusions

All health insurance plans have a list of diseases that are excluded from the coverage. So, go through the policy documents to see which ones are not included. This is necessary to ensure that you have sufficient coverage for your needs. It also helps you with financial planning, claim management, and policy renewal. The best medical insurance in India covers all major diseases.

Conclusion

To choose the best medical insurance policy in India one needs to consider several important variables. You can make an educated choice that matches both your budget and your healthcare demands by evaluating your needs and learning about policy features including coverage limitations, exclusions, network hospitals, and extra benefits. The ideal insurance is one that, in addition to offering complete coverage, gives you and your loved ones peace of mind in the event of a medical emergency. It guarantees prompt, high-quality medical care without placing an excessive financial load on you.

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.  

Introduction

Obtaining health insurance following a cancer diagnosis can be a daunting task. Cancer patients must secure suitable health insurance coverage to sustain ongoing treatments and alleviate financial burdens. The positive aspect is that individuals diagnosed with cancer have access to a range of insurance plans. However, it's essential to assess your health needs and thoroughly understand the details of these health insurance policies to make informed decisions.

Searching for an appropriate insurance policy for existing cancer patients serves to further complicate an already complex medical landscape. It is imperative to know where to search, what questions to pose, and how to ensure your policy aligns well with your treatment plan and financial considerations. Understanding the details of your policy is crucial to avoid surprises from unforeseen costs, especially given the lengthy and intensive nature of cancer treatments. Let's delve into securing health insurance for cancer patients, covering eligibility requirements, policy coverage details, and strategic steps for your application process.

Can Cancer Patients Get Medical Insurance After Diagnosis?

For cancer patients in search of medical insurance, the situation is not as daunting as it may seem. While insurance providers have varying rules regarding coverage for pre-existing conditions, many offer plans tailored for individuals diagnosed with serious illnesses like cancer. These plans may include conditions such as a waiting period before benefits related to cancer treatment can be accessed. However, other medical expenses are often still covered during this waiting period, providing a safety net while waiting for full coverage to begin.

The specifics of each policy can vary significantly, so it is crucial to compare details. For instance, some health insurance policies might cover all cancer treatments from the start of coverage, whereas others may restrict coverage to specific types or stages of cancer. Premiums can also differ based on coverage levels and the patient's health condition. It's crucial to review the policy's specifics thoroughly and seek guidance from a health insurance broker or healthcare advocate specializing in high-risk clients if needed.

Conclusion

Securing health insurance for existing cancer patients after diagnosis involves persistence and detailed research. Understanding the specific terms of insurance policies can significantly reduce the burden of medical expenses during this challenging time. It is also beneficial to engage with insurance professionals and seek advice from those who specialise in high-risk insurance coverage. Their insights can prove invaluable in finding a policy that accepts your pre-existing condition and supports you throughout your treatment journey. Remember that the right insurance policy is out there. It just requires diligent searching and understanding of your rights as a consumer in the healthcare market.

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.

Parents need to plan for the birth of a child in advance, and your healthcare policy must cover all expenses relating to the medical needs of the infant child and mom-to-be. Parents must avoid health insurance without maternity coverage and opt for a policy that provides comprehensive maternity health coverage.  

Does health insurance come with maternity cover?

Maternity coverage is often an add-on benefit of a health insurance policy. Some insurance companies may not offer maternity coverage for women who fall under the exclusion criteria. It is also important to know that there is always a waiting period that differs between insurers; it is usually between 9 months and 6 years. A policyholder cannot claim any maternity benefits before completing the waiting period. Infertility treatments and congenital disorders are usually exempt from coverage. Typically, women aged between 18 and 45 are covered by maternity insurance plans.

Pros of Opting for Maternity Cover in Health Insurance

The following factors will establish why you should opt for maternity coverage in health insurance:

• Access to the Best Medical Facilities

The main benefit of maternity coverage in health insurance is access to medical facilities, including the best hospitals that come under the insurer’s network.

• Access to the Best Skilled Gynaecologists

With maternity coverage, you can get access to the best gynaecologists and other staff with adequate maternity care experience. Also, you can avail of quality healthcare with minimal out-of-pocket expenses.

• Tax Benefits

You can avail yourself of a tax rebate for premiums paid for your healthcare plan, offering maternity coverage under Section 80D of the Income Tax Act of 1961.

• It Minimises Birth Related Hospitalisation Charges

Charges, including room rent and hospitalisation, can add up quickly, but such expenses will be covered with maternity coverage. You will also receive coverage for expenses incurred 30 days prior to hospitalisation and 60 days post-hospitalisation in case of any childbirth-related complications.    

Conclusion

Opting for health insurance without maternity coverage is risky because of the inherent costs involved in availing quality healthcare. Prior to zeroing in on a policy, consider the waiting period to claim your maternity coverage benefits, policy exclusions and limitations, and the requirements you must meet before making a final decision on the health insurance 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.

Did you know that you could secure health insurance for your siblings? This caring present gives them the security of knowing they will be safeguarded for life. Whether it’s Raksha Bandhan or any other occasion, gifting health insurance for a brother and sister is more than a thoughtful gesture.

Why Should You Get a Health Insurance Cover for Your Sibling?

There are several reasons why it is smart to have health insurance for siblings. This policy covers all hospitalisation costs, including room rent for the duration of your stay. Extended health policies also include pre and post-hospitalisation expenses, maternity benefits as well as day-care procedures which do not require 24-hour hospitalisation. Moreover, certain plans offer regular health screenings every month, covering all the basic forms of medical protection you and your sibling could need.

Pros You Enjoy With Health Insurance Policy for Brother & Sister

Financial Security

Health insurance will prevent your sibling from paying expensive medical bills. This can be crucial during emergencies, especially with rising healthcare costs.

Cashless Hospitalisation

Most policies provide cashless treatment within network hospitals. This ensures your sibling will not have difficulty arranging funds for a health emergency.

Tax Benefits

The premiums you pay for health insurance on behalf of your brother or sister can make you qualified to claim tax benefits under Section 80D of the Income Tax Act. It's a win-win situation - you save on gifts while safeguarding your younger brother or sister.

General Tips to Buy a Health Insurance Policy for Your Sibling

Compare Plans

Take your time before selecting the most appropriate policy. You should also compare plans based on coverage, premiums and benefits. You may use an online insurance aggregator to hasten the process.

Check for Cashless Benefits

Opt for plans with an extensive cashless hospital network. This could prove to be a significant benefit in the case of any medical emergency.

Read the Fine Print

Read the terms and conditions properly before opting for a policy. Keep an eye out for exclusions, waiting periods and the claim process. This can help you to choose a plan that is most suitable for your sibling.

Conclusion

Health insurance for siblings transcends being merely a financial product; it embodies an expression of love and care. When you protect your loved ones from unforeseen medical bills, they have one less thing to worry about. It's a practical way to show your siblings how much they mean to you while ensuring they have access to quality healthcare when needed most.

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 common question that arises when we discuss health insurance is, “Does health insurance cover dental treatments? Understanding the specifics of a health insurance plan can be quite complex. Dental care includes routine check-ups, emergency procedures, and preventative treatments, which can significantly impact our overall health. Finding the right plan can transform this aspect of healthcare from a financial burden into a manageable expense. Your health insurance may include provisions for substantial support to dental services if you select carefully. The policy can make dental services more accessible and affordable. Let us understand more.

Is Dental Covered Under Health Insurance?

Typically, most health insurance plans do not cover dental procedures. It is often limited or excluded unless specified. However, some health insurance plans stand out for covering dental treatments under specific conditions. Such plans cover accidents and encompass consultations, medicines, and necessary diagnostic tests associated with dental care.

Most basic health insurance policies categorise dental treatments as elective procedures and do not prioritise covering them. However, considering the potentially high costs of dental care, such as fillings, root canals, or orthodontics, having insurance that covers these aspects can be invaluable. Some plans may offer dental benefits as part of preventive health care options, as they recognise that timely dental treatment can prevent more severe health complications. Therefore, reviewing the specifics of what each health insurance plan offers is essential to ensure comprehensive healthcare coverage, including your dental health.

Add-Ons Under Which Dental is Covered

Though dental coverage is not a standard feature in most health insurance plans, specific policies offered by ICICI Lombard include specialised options for dental care. These offerings are particularly beneficial, given the high costs associated with dental treatments, such as fillings, root canals, and orthodontics, which many basic policies categorise as elective and do not cover. ICICI Lombard's dental insurance strategy includes a range of policies tailored to meet individual needs. For example, the Smart Super Health Insurance Plan will pay for the necessary outpatient procedures in the event of a dental emergency as a consequence of an accident. It includes any necessary follow-up appointments for a maximum of 15 days.

The Health Booster Plan incorporates dental treatment into its wellness programme features, allowing policyholders to utilise wellness points against outpatient dental charges. For more severe needs as a consequence of illness or accident, the Special Shield Plan covers dental inpatient care. The iShield Plan pays for out-of-pocket dental care costs such as consultations, medicines, and diagnostic tests.

Conclusion

Knowing what your health insurance plan covers can alleviate anxiety and unnecessary worry even as it pays for critical dental care. If you enrol in a plan offered by ICICI Lombard, which includes dental add-ons, you can rest assured that your teeth and gums will receive the utmost care. The key is to make educated decisions. You can manage your health and finances with the correct coverage. You are also prepared to take charge of your oral health and make educated decisions with this streamlined method.

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.