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

What are the Features of Personal Accident Insurance?

 The characteristics of personal accident insurance are:

Accidental death of the policyholder

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

Permanent partial disability

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

Permanent total disability

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

Temporary total disability

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

Accidental hospitalisation coverage

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

Ambulance charges and coverage for carriage of dead body

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

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

Conclusion

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

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

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

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

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

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

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

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

Conclusion

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

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

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

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

How Much Health Insurance Should You Buy for Your Family?

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

Is 3 Lakh Health Insurance Enough for Your Family?

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

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

Conclusion

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

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

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

How to Create an ABHA Card or Health ID Card?

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

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

Conclusion

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

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

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

Major Benefits of Ayushman Bharat Digital Mission

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

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

Conclusion

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

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

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

Difference Between Term Insurance and Personal Accident Insurance

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

Conclusion

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

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

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

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

What is Campylobacteriosis?

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

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

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

What is the Treatment of Campylobacteriosis?

Here are some important points surrounding the treatment of campylobacteriosis

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

Conclusion

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

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

Also Read:

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

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

What is the Treatment of echinococcosis?

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

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

Conclusion

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

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

Also Read:

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

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

What is the Treatment of Giardiasis?

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

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

Conclusion

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

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

Also Read:

• Causes of Tularemia Disease
• Lyme Disease Treatment: Antibiotics and Prevention Guide
• Causes of Raynaud's disease
• What is the Treatment for Heart Valve Disease?
• How to Prevent Kidney Disease

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

What is the treatment of Haemophilus?

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

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

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

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

Conclusion

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

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

Also Read:

• Symptoms of Pelvic Inflammatory Disease
• Diagnosis of Coronary Artery disease
• Treatment of Coronary Heart Disease
• Causes of Peripheral Artery Disease
• How is Coeliac Disease Diagnosed?

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

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

Is Rotavirus Communicable?

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

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

How Does Rotavirus Spread?

Let’s learn about how rotavirus is transmitted:

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

Conclusion

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

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

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

Overview of Imaging Tests

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

Conclusion

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

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

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

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

Is Norovirus Communicable?

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

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

How Does Norovirus Spread?

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

Conclusion

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

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

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

Yes, pertussis, otherwise known as whooping cough, is very infectious. It is caused by the bacterium Bordetella pertussis and primarily affects the respiratory system. Though it is prevalent in people of all ages, it is particularly fatal to infants and young children. This illness is mostly contagious in its acute stages.

Is Pertussis Communicable?

Pertussis is a communicable disease. It spreads easily from one individual to the other through indisposition, by droplets of secretion from coughs and sneezes. 

But how contagious is whooping cough? If an infected person sneezes or coughs, pathogens can be expelled into the environment suitable for inhalation by someone near the sick person. Once cough onset occurs, those infected by the disease could spread germs for up to two weeks, making initiating containment measures against disease outbreaks critical.

This means that the disease can spread rapidly and outbreaks are prevalent, especially in places where people are relatively close to one another, e.g., schools, daycare homes, and homes. The vaccine is the best way to prevent this infection and the chances of transmission.

How Does Pertussis Spread?

• By being near an infected person, especially in crowded or enclosed spaces.
• Prolonged exposure to someone with pertussis increases the risk of transmission.
• Babies and unvaccinated individuals are particularly vulnerable to contracting the disease.

Conclusion

Pertussis is one of the most contagious communicable diseases. The infection can be transmitted via droplets. Knowing how is pertussis transmitted helps implement the correct prevention measures, such as immunisation, which is the best way to prevent whooping cough.

Remember to get a health insurance policy to cover medical 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.

Mumps, which affects the salivary glands, is a common contagious disease. It often causes swelling in the throat. Mumps can primarily affect children but is now under control due to a surge in vaccination. “Is mumps contagious?” is a common question that people ask. It can be tricky to understand if someone has mumps because most affected individuals do not show any symptoms.

Is Mumps Communicable?

Is mumps a communicable disease? Yes, it is. Mumps is easier to spread to those who are not vaccinated. It usually has the potential to infect people even before showing any symptoms, making it difficult to isolate them. Once the face swelling starts, the chances of spread are much higher. This chance remains at its optimum high nine days after the face starts swelling.

How Does Mumps Spread?

Now that you know mumps can spread, it is also crucial to ascertain how mumps spread. Respiratory droplets are a pertinent medium of mumps spread.

•     Touching Contaminated Surface: Touching a spot that has respiratory droplets and then touching your face or nose is the most common way for mumps to spread.
•     Keeping Close Contact: Mumps can also spread very easily through close contact. The release of the virus becomes a primary cause, and it can happen when an individual sneezes or coughs. Being in the same space and inhaling the air can lead to the easy spread of mumps.
•     Direct Contact: If you use the same utensils that were previously used by a person infected with mumps, it can lead to infection via saliva.

Conclusion

Now that you know how mumps is transmitted, it is important to be more vigilant. The best way to get rid of infection is to avoid close contact with those who have mumps or show signs. Sharing items or even surface contact is the most common method of the disease's spread. Remember to get health insurance to cover medical 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.

Yes, measles is very contagious, and the rate of spread is also quite fast. You might notice people asking, "Is measles a contagious disease?" Well, it is and can get worse if the affected individual is not isolated. During the first week, the chances of spread are higher, and hence, extra attention is important. Areas with low vaccination rates are often more susceptible to measles.

Is Measles Communicable?

Measles is indeed communicable, and the primary mode of transmission is through respiratory droplets. These droplets, released when an infected person coughs or sneezes, are the main culprits in spreading the virus.

The virus can stay in the air for a minimum of two hours. Such high longevity makes it easy for the virus to spread. The chances of spreading in closed spaces like offices or schools are higher.

How Does Measles Spread?

Do you want to know how measles is spread via air? Some of the most common ways that measles spread are:

• When someone with measles sneezes, releasing the droplets into the air.
• An individual who inhales the same air can get infected.
• Even if there is no direct contact, measles can spread if someone is touching a surface that is contaminated.
• Touching your face, eyes, nose, or mouth with contaminated hands can spread measles.

Conclusion

Measles, a contagious disease spread through the air, can infect both children and adults. Understanding how measles spreads is key to effectively managing the disease and preventing its spread. Get health insurance to safeguard yourself financially when infected with a disease.

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.

It is necessary to know about mental health disorders, like borderline personality disorder (BPD), in order to manage them. In this blog, we will describe the process of testing for borderline personality disorder and present easy and concise information on the borderline personality disorder diagnosis and how to take the test.

Borderline Personality Disorder Diagnosis

Borderline personality disorder diagnosis is usually carried out by a healthcare professional after a detailed evaluation. This assessment comprises an interview to identify symptoms, medical history, and an account of the patient’s illness. The diagnosis for BPD is made according to the DSM-5, which has clear-cut criteria that should be met.

In particular, a correct BPD medical diagnosis is critical in treatment procedures. It aids in the prognosis of the disease and knowledge about it.

Take the Borderline Personality Disorder Test

Taking a borderline personality disorder test is a giant leap to getting to know more about your mental health. These tests are usually questionnaires that seek to measure conditions and behaviours linked to BPD. Here’s what you can expect:

Self-assessment: You will be asked questions about how you feel, think, and do. This is useful for identifying patterns that, if revealed, might indicate BPD.

Professional evaluation: Following the self-assessment test, a mental health care provider will analyse your responses and then proceed to an interview. This evaluation is critical when diagnosing a patient with borderline personality disorder.

Medical history: It is crucial to describe all previous conditions and diseases. Many of the symptoms overlap with other psychiatric conditions, and this assists in excluding competing explanations and confirming the BPD medical diagnosis.

These tests are supposed to be simple and uncomplicated. Their purpose is to offer a coherent image of your condition and help the health professional make the correct BPD diagnosis.

Knowing or learning about mental health status assists in empowering the patient and looking for the right treatment.

Make sure your health insurance policy includes mental health treatment costs.

Conclusion

The process of testing for borderline personality disorder involves several steps, including self-assessment and consultation with a specialist. A proper borderline personality disorder diagnosis is vital to meet the requirements of the therapy process. Ensure your health insurance policy includes mental health services so you can seek the appropriate financial help.

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.

While planning a trip abroad, travel enthusiasts are likely busy weaving dreams about the big adventures that will unfold overseas. However, one crucial aspect that most people need to remember is having travel insurance. This blog discusses when to purchase travel insurance and why securing your trip is vital against any unforeseen incidents.

When Is the Best Time to Get Travel Insurance?

Travel insurance coverage should ideally start the day you physically depart from your home for a trip to a foreign country. This enables you to be covered for medical emergencies, flight delays, trip cancellations, etc.

In the case of trip cancellation, the protection begins at 12 a.m. on the day after purchasing insurance and is valid until your trip starts. Travel insurance ends on the exact day of your home arrival. Some insurance coverage can be extended if there is a delay due to an insured reason. Most travel policies also extend insurance coverage if unforeseen circumstances delay your return home on time.

Now, the question arises when to purchase travel insurance. The simple answer is to buy it while booking flight tickets for your trip. It gives you peace of mind should any untoward incident occur before and during your flight.

It is highly recommended that you buy an insurance policy at least 14 days before your trip so that it becomes fully functional. This 14-day window provides maximum benefits through comprehensive coverage for medical emergencies, baggage loss, and travel delays. Late purchases may lead to denial of benefits like trip cancellation, though it will cover all other benefits.

Also, by investing early in the insurance purchase, you have the leverage to update your policy later with the final trip cost.

Conclusion 

Don’t delay buying your travel insurance once you have decided to go on an international trip. Check it for ample coverage of any potential risks associated with your journey and at the destination. Also, read through the policy’s terms and conditions carefully before starting your journey to know your rights and obligations in case an emergency arises.

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

The body produces creatinine as a waste product due to regular muscle tissue breakdown and food protein digestion. A good creatinine level for men is between 0.7 and 1.3 mg/dL, and for women, it is between 0.6 and 1.1 mg/dL. 

Results For Normal Creatinine Level

The results for normal creatinine Levels can vary depending on the age, sex, and muscle mass of the person. The creatinine normal level ranges from 0.72-1.3 mg/dL for males and 0.6-1.1 for females. Here is a comparison of normal, high, and low creatinine level values for men and women:

Conclusion

It is essential to maintain a normal creatinine level. Low creatinine clearance causes the blood's creatinine level to rise when the kidneys deteriorate. To have a better health, you can opt for an health insurance in case of an emergency arises in the future.

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.

Pulmonary function test meaning is to assess the capacity and efficiency of the respiratory system. This unravels the mystery of lung functionality with great precision.

Let us understand the PFT test's meaning and importance for determining lung health.

PFT Test Meaning

The PFT test means a non-invasive test that measures different parameters of lung performance. The various tests conducted measure lung volume, capacity, flow rates, and gas exchange. There are other reasons why pulmonary function tests (PFTs) are performed.

If you ask what a PFT test is, the simple answer is that it helps healthcare providers diagnose and decide on the right treatment for specific lung disorders.

Pulmonary function tests play a vital role in respiratory health. They show key data about diagnosis, treatment progress, and the overall health of a patient's lungs.

Comprehending lung function test definition will help you make informed decisions and take a clearer course of action toward better respiratory care.

Understanding pulmonary function definition is vital for diagnosing and monitoring respiratory conditions, including asthma, COPD, and lung disease.

Here are the different types of pulmonary tests:

• Spirometry:

The patient must breathe into a mouthpiece connected to a machine called a spirometer. It measures the amount breathed in and out, as well as breathing speed. This lung function test's meaning and utility are described as a measure of the efficiency and capacity of the lung airways.

• Plethysmography:

In this test, the patient is made to sit or stand in an airtight box. The box records the measurements of air volumes in the lungs after a deep inspiration and the amount left behind after a complete exhalation, giving a reading concerning the total lung capacity.

• Diffusion capacity tests:

These tests check the diffusion capacity of oxygen and other gases from the lungs into the blood. The parameters measured in these tests are vital for understanding the definition of pulmonary function test or total respiratory efficiency.

Preparation for PFT

Besides knowing the pulmonary function test meaning, precautions to follow before undergoing this test are also necessary. Patients may be asked to come on an empty stomach, and they must avoid smoking and taking prescribed medications before the test.

Risks and considerations

After understanding what are pulmonary function tests, it is necessary to know the risks associated with them. Although generally safe, some risks are involved with PFTs. These are lightheadedness, shortness of breath, and coughing, and they can induce asthma in some people. Patients should discuss health issues with a healthcare professional to understand the risks and benefits of the test.

Conclusion

Besides understanding what is PFT test, having a comprehensive health insurance policy is necessary. It ensures PFTs are included in your plan and offers coverage for treatment expenses.

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