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.

A family floater critical illness plan protects the health and financial well-being of your family members. These policies pay a one-time lump sum amount on the occurrence of certain specific medical conditions defined in the policy (e.g., cancer, heart attack or stroke) and provide you with the financial support needed to fight off such illnesses. Read on to understand what makes these plans unique and how they can protect your family.

Features of Family Floater Critical Illness Insurance

Comprehensive Coverage

These health insurance plans usually cover a long list of serious illnesses, sometimes 20 or more conditions. It means you have coverage for several diseases under one policy, protecting your family from multiple health risks.

Lump Sum Payout

The plan provides a lump sum upon the diagnosis of a covered illness in an immediate family member. It can cover rehabilitation costs and medical expenses, and potentially compensate for lost wages, which is often a significant benefit.

Shared Sum Insured

The total coverage amount is distributed among family members, offering greater flexibility and cost-effectiveness.

Pros of Opting for Family Floater Critical Illness Insurance

• Cost-effective: Having the entire family under one plan is usually cheaper per person than purchasing a policy for each member separately.
• Simplified Management: Having to manage only one policy makes it much simpler to stay on top of premiums, renewals and claims
• Tax Benefits: Additionally, the insurance premiums you pay towards it can be claimed as a deduction under Section 80D of the Income Tax Act and help reduce your tax liability.

Selecting the Right Critical Illness Insurance Plan for Your Family

Conclusion

The family floater critical illness plan is a wise way to take care of your dear ones when they are diagnosed with severe health conditions. This combination package provides peace of mind, comprehensive coverage and financial flexibility. Take into account the medical conditions prevalent in your family and evaluate whether you can manage to cover the associated expenses. Use these insights to guide your selection of the right policy.

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.

Exploring the realm of health insurance often feels like threading your way through a complex maze. Yet, the journey becomes smoother when you trace a distinct and predefined route, particularly one that minimises out-of-pocket spending during medical crises. Let us understand how cashless claims simplify the financial aspects of healthcare. This feature allows you to sidestep the burden of hefty immediate payments. It offers peace of mind and financial relief when you are at your most vulnerable. Such a mechanism also ensures that a patient can focus fully on recovering instead of fretting over costs.

What is Cashless Claim in Health Insurance?

A cashless claim in health insurance offers a simplified way to manage hospital bills amid health crises. Let us explore it in further detail.

• Direct Settlement: Hospitals and insurance companies handle the financial transactions directly in the world of cashless claims. You do not have to worry about paying upfront — the hospital takes care of the billing by communicating directly with your insurer.
• Network Hospitals: Only hospitals that are part of your insurance company's network offer this service. As the insurance company has already struck a deal with certain hospitals, your treatment will proceed more smoothly.
• Pre-authorisation Required: Your hospital must receive a pre-authorisation from your insurance company before they can start treatment. What this means is that your insurance company has agreed to pay for your treatment as per the terms of your policy.
• Streamlined and Stress-free: The whole point of cashless claims is to alleviate any anxiety you may have about going to the hospital. The system frees you from financial worries by erasing the need for quick payment, allowing you to fully focus on well. Those who may find the upfront fee too high can still get the care they need, thanks to this arrangement.

How Can You Use Cashless Claim for Health Plans?

Using your health insurance plan's cashless claim feature can help ease your mind in the event of a medical emergency. Adhere to these guidelines for optimal use of this function —

• Verify the Network: Make sure the hospital is in your insurer's network before you visit. As a result, you won't have to worry about any unpleasant surprises when processing your claim. You need not fret about any surprises when the time comes to use your insurance if you double-check and verify in advance.
• Pre-authorisation: Complete and submit a pre-authorisation form at the hospital’s insurance desk as soon as possible. This form is crucial for securing the insurer’s agreement to cover the costs, assuring before any medical procedures are carried out. It's a safeguard that aligns the expectations between you, the provider, and the insurer.
• Submit Necessary Documents: You need to provide your health card, identification, and any relevant medical records to help with the claim process. Your claim will be processed and approved much more quickly if you submit all the required paperwork on time.
• Let the Hospital Handle it: The hospital will deal with your insurance carrier to reimburse your treatment once you submit your paperwork. You won't have to worry about negotiating or discussing financial matters throughout your recuperation period. This simplifies the payment procedure.

What to Consider Before Buying a Policy With Cashless Claims?
It is important to read the fine print of a cashless claim in health insurance to make sure it meets your requirements. Some important factors to consider are:

• Network Hospitals: It is preferable if the hospital network is extensive. Evaluate the coverage area and hospital network of the insurance company. That way, you may be sure that you can get to a hospital quickly if a medical emergency were to arise.
• Claim Process Transparency: Learn the ins and outs of processing claims. You can learn a lot about actual claim settlement experiences by reading reviews written by existing policyholders. Reliability in insurance is enhanced via open communication and good reviews.
• Coverage Limits and Sub-limits: Keep in mind that certain illnesses and treatments may have restrictions on room rental. You will be able to budget better for more costly treatments or a more luxurious lodging option during your hospital stay if you are aware of these limits.
• Co-payments and Deductibles: You may have to pay out-of-pocket for a portion of the claim with some policies. Familiarise yourself with these amounts beforehand to avoid unpleasant surprises during critical recuperation periods.
• Exclusions: Your health insurance may not pay for all of your medical expenses. You need to look at the list of exclusions if you want to know what your insurance won't cover. Knowing this will help prevent your insurance application get denied at the last minute.

Conclusion

Choosing an appropriate health insurance plan is not just about how much it will cost you. It is also about the peace of mind it will give you when you need it most. With cashless claims, you can focus on getting well rather than worrying about how you will pay for medical bills. Be proactive, ask lots of questions, and settle on a plan that works perfectly for you. You should put all your money concerns aside and concentrate on getting well in the event of a medical emergency.

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.

Personal accident insurance coverage offers financial protection and support to individuals who meet with accidents or injuries. An accidental insurance cost can vary based on the type of policy, age, occupation, and coverage amount. Premiums are usually affordable, providing essential financial protection from accidental injuries, disabilities, or death.

How Much Does Accident Insurance Cost?

A personal accident insurance cost can vary based on several factors. They include coverage limit, deductible, type of policy you have selected, and your age. Policies that have higher coverage limits typically offer higher premiums because, in the event of a claim, the insurance company is legally obliged to pay out a larger amount. Another important factor that can help you determine the accident insurance cost is your age. If you are young, you will have to pay lower premiums as it is considered that you’re at a lower risk of experiencing accidents.

Conclusion

Personal accident insurance coverage can safeguard you from the unexpected financial turmoil that often comes along with accidents. So along with health insurance, you should also get personal accident insurance coverage as accidents are unexpected and can happen anytime to anyone.

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.

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

Types of Personal Accident Insurance

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

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

Conclusion

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

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

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

What are the Coverages Under Personal Accident Policy?

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

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

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

Conclusion

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

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

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

What are the Coverages Under Personal Accident Policy?

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

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

Conclusion

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

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

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

What are the Symptoms of Keratoconus?

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

Visual Symptoms:

1. Distorted Vision:

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

2. Increased Sensitivity to Light:

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

3. Glare and Halos:

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

4. Frequent Changes in Prescription:

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

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

Conclusion

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

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

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

How Alcohol Impacts the Brain

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

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

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

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

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

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

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

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

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

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

Conclusion

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

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

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

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

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

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

Best Medical Insurance Plans for Senior Citizens

Conclusion

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

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

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

Things to Remember During Your Health Insurance Policy Renewal

Renew Your Health Insurance Plan Before the Due Date

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

Review Your Health Insurance Requirement

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

Revise the Sum Insured Under Your Health Insurance Plan

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

Disclose Any New Illness or Medical Condition

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

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

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

Inform Your Family About the Policy Changes

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

Online Process for Health Insurance Renewal

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

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

Conclusion

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

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