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.

We can all admit that the whole facade of health insurance is somewhat of a maze. Despite all its complexities, we crave assurance in the face of a fatal sickness. Of course, life is not always perfect and your existing health insurance policy may only cover your most basic requirements. Well, this is where top-up health insurance comes to the rescue! It’s a supplement to your existing health insurance. It provides financial coverage after you have utilised the maximum claim amount. Top-up health insurance has several benefits that can be quite helpful during an urgent medical condition.

What are the Pros of Buying Top-up Medical Insurance

The complete benefits of top-up health insurance can be reaped by purchasing the right plan. The advantages you will get are:

Save Your Money

The usual health insurance comes with an extremely high coverage or sum insured and can cost a lot of money. But top-up plans are a lot more cost-effective and heavily favoured. Instead of being provided with a fixed measure of coverage that contains options they will never use, people get to select only the coverage they require.

Peace of Mind, Big Time

A top-up plan should safeguard the consumer against a potential bill that they are not prepared to pay due to their health status. It exists as an additional plan that serves to supplement your primary health insurance while being conveniently affordable. This means reduced pressure on patients and more time for them to concentrate on healing!

Flexibility is Key

Traditional health insurance policies are not overly liberal as compared to the top-up plans that are available today. The premiums are completely reasonable and you can select the coverage amount appropriate for your needs. This is particularly beneficial for young and healthy users who need some additional protection that won’t cost them a lot of money.

Customise Your Coverage

Some plans allow you to purchase additional options such as dental treatment, massage, or consultations with some specialists. This permits you to choose the perfect coverage that corresponds best to what you may need and the kind of life you want to lead.

Future-Proofing Your Health

A top-up plan is like having a road map. There are numerous benefits of getting screened for health conditions and seeking treatment in the early stages, using the top-up plan coverage. It also provides the protection that comes with having that extra insurance when costs surge in the future.

Difference Between Top-up and Regular Health Insurance

So, how does the top-up plan work in relation to the normal health insurance plan? Here's a quick comparison:

• Regular Health Insurance: This is your main insurance policy. This limits the amount of money that is compensated for the medical bills up to a certain figure or sum insured. Once this limit is reached, any additional costs have to be incurred from your pocket.

• Top-up Health Insurance: This serves as an extra security measure. It becomes effective when one has completely utilised their major medical coverage plan for insured services. You have the complete freedom of choosing your coverage domain as per your requirements.

Conclusion

The benefits of top-up medical insurance are numerous. They are a great help when organising the part of your budget that covers your health expenses. It can be the most cost-effective means of enhancing your current level of coverage. Top-up health plans offer you the assurance and convenience of choosing the level of health shield you want. Therefore, if you wish to enhance and safeguard your existing health policy, a top-up plan may be the ideal solution! 

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 top-up health insurance policy is an additional health insurance plan that raises the maximum amount covered by your current health insurance. Financial coverage is provided once the maximum claim amount has been used. It serves as a backup and extra layer of financial security for your primary health insurance plan when the fixed sum insured is depleted.

The search for the best and the most appropriate health insurance plans becomes a daunting challenge, with so many options available. But don’t worry! Today we will guide you through the process of choosing the right top-up plan for your health insurance.

How to Choose the Best Top-up Policy?

Consider the following tips to choose the best top-up plan for health insurance:

• Coverage Amount: Ensure that the coverage amount of the top-up plan provides adequate additional protection on top of your existing policy.

• Premium Costs: Compare and find which top-up plan is cheaper and has a lower premium than others.

• Waiting Period: Find out the waiting period for different pre-existing diseases.

• Network Hospitals: It is also important that the insurance company has a good network of hospitals.

• Claim Process: Ensure that the plan has an easy and rapid procedure for filing the claim.

What are the Merits of Buying a Top-up Health Insurance Plan?

Some of the benefits of buying the best top-up plan for medical insurance are:

Peace of mind

Nobody wishes to experience a financial meltdown right after being faced with an ordeal concerning their health. A top-up plan is the best way to find economic stability during your treatment period, without worrying about the expenses.

Flexibility

Top-up plans are not as rigid as some other types of health insurance policies that are usually available today. You can either opt for a full package cover or choose one that is fully basic; all of it while ensuring it suits your wallet. These policies are particularly useful if one is young and in good health but wishes to have some form of coverage against several unforeseeable medical emergencies.

Versatility

To broaden your coverage, you can opt for many top-up plans that offer additional benefits. Insurers let you select the so-called optional addendums regarding mental health support, consultations with doctors or dentists services, and others.

What You Get Under a Top-up Health Insurance Policy?

The advantages you will get with the best top-up health policy are:

• Higher Sum Insured: Under top-up health insurance policies, you get special compensations that go way beyond your basic policy schedule.

• Financial safety net: It comes in once you have incurred and met your primary health insurance expense. This is great since it does not put you in a disadvantaged situation of having to provide the initial costs from your pocket.

• Affordable Premiums: With this, you will be charged a lower premium which is much better than having to upgrade your existing policy for broader coverage.

• Comprehensive Coverage: Another point that makes it stand out is the wide range of its coverage. This encompasses the cost of hospitalisation, surgery, critical illness care, or any other condition that may need hospitalisation.

Conclusion

Getting the best top-up health policy for your health insurance doesn’t necessarily equate to struggling. You can boost your health insurance once you understand what an insurer can offer as per your requirements. Keep in mind that the most ideal top-up health policy should fit right in with the rest of your current health cover. Thus, it is vital to decide on a health insurance plan with a suitable top-up so that there are no unpleasant surprises.

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.

Road accidents are a significant concern, and the rate of such incidents is increasing in India. Personal accident (PA) insurance comes in handy in handling immediate treatment costs incurred due to any mishaps. Accident insurance, being a specific insurance policy, compensates for the financial burden arising due to the policyholder's disability or death. This insurance has a wider accidental claim coverage, which is not included in the general health insurance plan.

How Much PA Cover Should You Have?

Are you confused about “how much personal accident insurance do I need”?

The Insurance Regulatory and Development Authority of India (IRDA) has set the minimum limit for personal accident coverage of up to INR 15 lakh. Insurers must offer this coverage on motor insurance policies.

In addition to this mandatory cover offered by motor insurance companies, buying a separate personal accident insurance policy is highly advisable to secure your life.

A strong financial backup in the form of a PA insurance policy is a vital asset during emergencies. It ensures you’re financially prepared for any accidental contingencies. You can avail yourself of the best healthcare services to recover as soon as possible without worrying about money management.

Accidents often drain your savings as medical expenses are costly. Having a personal accident insurance policy means that you can come back to normal life after the mishap as soon as possible without breaking your savings.

One can have personal accident insurance, depending on their age, medical health, and occupation. It is recommended to buy the plan as soon as you start earning. Financial advisors recommend having personal accident insurance of up to 10 times your annual income if you are the soul friend of the family or drive on the highway often. Also, if you are involved in superintending operations, like contractors, engineers, or builders, PA insurance is a must-have.

What are the Pros of Opting for Personal Accident Insurance?

The intangible benefits of a personal accident insurance policy are peace of mind, financial security, and preparedness for any emergency. This policy ensures that your loved ones don’t have to face financial burdens during critical times of an accident.

• This policy has an easy and simple claim settlement process, which is available 24/7. When admitted to the hospital, insureds or their families can seek quick resolution from the insurance company.

• By paying an add-on premium to the insurance, the unnamed passengers, other than the policyholder, are also entitled to compensation from the insurer.

• Additionally, employees like paid drivers, cleaners, or conductors are also eligible for compensation under accident insurance. However, an additional annual premium must be paid to ensure the compensation is similar to that of the policyholder.

Conclusion

Besides having a health insurance plan, investing in personal accident insurance provides extensive coverage to meet treatment costs if the policyholder meets an accident. This covers accidental death, permanent disability, and partial permanent disability. The premium of this policy may vary, depending upon the choice of the insurance company, the policy cover chosen, and the sum insured.

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.

As life is unpredictable, accidents can happen anytime, anywhere. Personal accident (PA) insurance becomes necessary to protect against the financial burdens that may arise from unexpected mishaps. If you think having life insurance will suffice to cover your medical expenses, read to know why personal accident insurance is necessary.

Also, we are clearing the air around is personal accident insurance a life insurance?

What is Personal Accident Insurance?   

A personal accident insurance policy offers comprehensive financial security to policyholders and their families. These plans are designed to safeguard against unforeseen events like accidental death, partial or total disability (temporary or permanent), or bodily injury in an accident.

• Not just major accidents, PA insurance also covers minor injuries such as fractures and dislocations. In addition, ambulance costs, hospitalisation charges, and many other related expenses are also compensated.
• In case a policyholder dies in an accident, the nominee receives the full compensation amount from the insurer.
• Personal accident insurance helps the policyholder's family keep their savings intact.
• If the insured person has dependent children (under the age of 19), the policy covers their education fees and medical expenses, as they are paid the compensation amount to complete their education.
• The medical expenses of the insured are compensated by the insurer if he suffers a permanent disability or death (eligible up to the sum assured).
• If there is a partial disability, only a portion of the sum assured is paid to the insured (depending upon the severity).
• The accident insurance plan can be renewed after suffering partial or temporary disability in a mishap.

Major Difference Between PA Insurance and Life Insurance 

Having a life insurance policy not only provides financial cover but also helps to achieve financial goals like retirement plans, long-term and short-term goals, etc. On the other hand, personal accident insurance protects family members in case of the policyholder's accidental death or disability, which makes both covers different yet overlapping.

A life insurance plan's premiums are eligible for tax deductions when filing income tax returns. However, accidental insurance policy premiums do not offer tax benefits.

Life insurance is costlier compared to a personal accident policy because the latter is part of the risk covered by the former.

While life insurance does not cover medical eventualities and offers only death benefits to the insured person's family, an accident policy provides financial cover against the insured person's permanent total or partial disability. It also covers accidental dismemberment, burns, fractures, and other injuries.

Conclusion

The term life insurance covers the policyholder's death due to natural or accidental reasons. The personal accident insurance policy covers death and disabilities caused by an accident. It doesn't cover claims arising due to the natural death of the policyholder. Besides these two, we recommend evaluating health insurance plans for available benefits like cashless hospitalisation and free medical checkups. A health insurance plan is more a necessity than just an option.

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.

Introduction  

Insurance policies are contracts between insurer and policyholder aimed at providing financial protection from specified risks and losses. These policies help manage various risks and ensure financial stability in various aspects of life. Insurance policies are of various types and include health insurance policy, life insurance, auto insurance, home insurance, personal accident policy, and so on. An individual can choose the type of coverage depending on their particular needs.

Can You Claim from Multiple Personal Accident Policies in a Year?

A personal accident policy comes under the broader medical insurance range that one can claim in the event of such an unfortunate incident. Furthermore, the benefits offered under these policies extend beyond medical requirements and take adequate care of other financial requirements. To further one's scope of availing a wide range of benefits, individuals can opt for multiple accident coverage policies depending on how they assess their requirements.

Typically, every personal accident insurance policy covers the following over and above medical liabilities:

• Accidental death cover
• Permanent disability cover
• Temporary total disability cover
• Permanent partial disability cover

Hence, the answer is in the affirmative to the query, “Can I claim multiple personal accident insurance?”

How to Claim Personal Accident Insurance from Multiple Insurers?    

Holding multiple personal accident insurance policies endows individuals with more comprehensive coverage. However, a certain protocol needs to be followed while filing such claims.

Here's how you can rightfully claim your insurance from multiple insurers

• Cashless claims: This claim can be availed of at the network hospital, whereby you get a claim settlement summary after raising the claim. Approach your other insurer with this summary and hospital bills to settle the balance amount through reimbursement.
• Reimbursement claims: The reimbursement claim works even with your primary insurer if you do not receive treatment at in-network hospitals. Submit the required documents, most essentially bill receipts and prescriptions along with the claim form, and you should be able to recover those expenses.

Conclusion 

Accident insurance plans are a great medium to insure yourself from future losses. And, for those grappling with the question, “Does personal accident insurance cover overseas?” the answer is a resounding yes! This dynamic feature makes purchasing at least one of such policies even more worthwhile. Ensure you read the documents carefully before you buy a policy while ascertaining all your worries will be addressed.

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.  

Voluntary personal accident insurance (VPA), or supplemental accident insurance, is an insurance product an organisation offers its employees to manage financial risks during unexpected illnesses or injuries. VPA does not replace a GPA policy; it is part of the overall health insurance package for employees.

Let us explore various aspects and advantages of VPA in the following sections.

When Should You Be Aware of Voluntary Accident Insurance?

 VPA insurance can help in the following circumstances:

• Accident: Some health insurance policies do not cover deductibles, copays, and coinsurance. Knowledge about VPA will help you in such situations. Also, it helps with other costs associated with an accident, such as crutches for broken leg/s.
• Unable to Go to Work: Voluntary accident insurance helps with financial stress when injuries keep you out of work or prevent you from visiting the office or functioning normally.
• Offer from an Employer: Some employers offer voluntary personal accident insurance as a part of overall employee benefits. It can also be extended to include family members. Companies do this for employee satisfaction, higher productivity, and peace of mind.

What to Know About Voluntary Accident Insurance?

Along with knowing what VPA is, it is also vital to know its coverage, exclusions, eligibility, and benefits. Coverage and benefits may differ from insurer to insurer.

• It covers medical expenses, including hospitalisation, surgery, diagnosis, and related expenses. VPA also compensates if a policyholder loses a source of income from severe injury or permanent disability.
• VPA can cover funeral expenses and children's education. If the policyholder dies in an accident, the sum insured is passed on to the nominee.
• Eligibility for buying a VPA is limited to individuals aged between 18 and 65 years. Policyholders can also add a family member (s) to the policy.

Top Pros of Opting for Voluntary Personal Accident Insurance

• India is one of the worst record holders globally regarding road accidents and related deaths and injuries. VPA insurance is an efficient way to secure yourself and your dependents financially in such unfortunate times.
• VPA insurance covers hospitalisation, medical treatment, and associated expenses. In case of permanent or temporary disability following an accident, the policyholder receives a part of the sum insured.
• Some insurers also provide post-surgery and post-treatment coverage. Usually, it is deductible from the payroll and also covers lost income arising from disability post-accident.

Conclusion

With VPA insurance, take control of your life from unexpected events that might occur. It is a complementary health insurance policy, does not replace your fixed employee benefits, and can be extended to include family members under its coverage. Discuss the policy with a professional insurance advisor and safeguard your well-being right away.

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

A solid family health insurance plan is the most reassuring thing we can do to safeguard our loved ones. The term "family policy" refers to an insurance policy that covers an entire family, usually up to four people. It is an efficient method to handle the healthcare demands of the complete household without the trouble of keeping track of numerous individual policies. With family health insurance, you may rest easy knowing that the financial burden of medical care — be it a preventative appointment or an emergency.

Health Insurance for a Family of 4 in India

Looking into the options for health insurance for family of 4 in India turns up a maze of options, both public and private.  Each is designed to cater to the unique healthcare needs of different population segments. Let us take a look at some of them —

• Government Health Schemes: The Pradhan Mantri Jan Arogya Yojana (PMJAY) is one of many government programs that provide low-income families with extensive health care. These programs pay for a variety of medical procedures such as hospital stays and surgeries.

• Private Health Insurance Plans: Programs covering a wide range of medical costs are offered by private insurance firms. Pre- and post-hospitalisation care, maternity benefits, and wellness screenings are all part of this. You can find plans with customisable coverage that work for a family of four with these features.

• Comprehensive Coverage Options: Options for larger sum insured, critical illness coverage, and even global coverage for treatments abroad are available with some policies in addition to basic health coverage. These plans are a good fit for families seeking comprehensive health coverage.

• Added Benefits: Health screenings, immunisation coverage, and healthcare service savings are extra benefits that come with many plans. Families with children may find these plans especially helpful.

Conclusion

It is not necessary to feel overwhelmed when selecting a health insurance plan for your family. India offers a wide range of private insurance plans and government-backed mediclaim policies, so you can pick one that works for your family and their budget. A family health insurance policy is an investment in more than simply medical care —  you are making a wise investment in the future stability of your family.

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

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.