Throughout history, people have enjoyed the flavours and calming effects of herbal infusions made from dried fruits, flowers, spices, and plants. These blends offer numerous health benefits, and are popular among those seeking alternative therapies. Herbal teas have been used for centuries as effective remedies for various ailments, and are now essential for daily self-care and overall well-being. As alternative therapies become more popular, herbal teas provide benefits in multiple ways. In this article, we will explore the various benefits of herbal tea that may encourage you to enjoy these delicious concoctions.

Different types of herbal tea and their benefits

1. Chamomile Tea:

With its relaxing qualities, chamomile tea is well-known and frequently used as a treatment to encourage sound sleep. In addition to being calming, chamomile is thought to have antibacterial, anti-inflammatory, and liver-protective effects. Because of its adaptability, it can help with PMS (pre-menstrual syndrome) symptoms, treat high blood sugar levels, and boost digestive health.

2. Peppermint Tea:

Peppermint tea offers further advantages in addition to its well-known ability to promote digestive health. Its leaves have antiviral, antibacterial, anticancer, and antioxidant qualities. It is helpful in treating typical digestive discomforts such as nausea, indigestion, and stomach pain, according to studies.

3. Ginger Tea:

Drinking ginger tea is a tasty way to treat nausea since it has a potent combination of antioxidants that fight illness. Research results regularly attest to its effectiveness in reducing nausea during early pregnancy and the recovery period following surgery. In addition to its digestive benefits, ginger may lessen menstruation discomfort, ease indigestion, and prevent stomach ulcers.

4. Hibiscus Tea:

Hibiscus tea has potential health advantages in addition to its unique flavour. Research shows that this tea can reduce oxidative stress, a harmful process occurring in the body that can cause cell and tissue damage.

5. Echinacea Tea:

Echinacea tea is well known for strengthening the immune system and is often used to treat and prevent colds. Initial investigations indicate that it may have the ability to reduce symptoms and minimise the duration of the common cold, but additional study is necessary.

Conclusion

In summary, herbal teas offer a multitude of advantages that surpass their pleasant tastes and soothing properties. Teas, including chamomile, peppermint, ginger, hibiscus, echinacea, and rooibos, provide several health benefits, including improving immune system function and quality of sleep. Take advantage of these herbal tea benefits today and boost your well-being. Additionally, procuring an all-encompassing health insurance policy can alleviate the burden of potential financial burdens during periods of illness.

Disclaimer: The information provided in this blog is for educational purposes only. Please consult a medical or nutrition professional before making any significant changes in your daily diet. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any impact or consequences resulting from the use of the information shared.

In the pursuit of a healthier lifestyle, incorporating nutrient-packed foods becomes crucial. Among these, celery stands out as a powerhouse of health benefits. Beyond being a crunchy snack, celery has many advantages that contribute to overall well-being. Let’s delve into the various ways in which this humble vegetable can enhance your health.

What are the Health Benefits of Celery

Celery, known for its crisp texture and distinctive flavour, is a nutritional powerhouse with numerous health benefits. Let’s uncover the benefits of celery that make it a valuable addition to your diet and promote overall well-being.

Improves Sex Life

Celery contains compounds like androstenone and androstenol, which are believed to stimulate arousal in both men and women, making it a natural aphrodisiac.

Improves Sperm Count and Activity

Celery’s high levels of vitamin C and other antioxidants contribute to healthier sperm, potentially enhancing fertility in men.

Reduces Cancer Risk

Coumarins, a group of phytochemicals found in celery, have been linked to cancer prevention. Regular consumption may help lower the risk of certain types of cancers.

Lowers Blood Pressure Level

Active compounds, such as phthalides, help relax the blood vessels, promoting better blood flow and reducing hypertension.

Prevents Inflammation

Celery is rich in anti-inflammatory compounds, including polyacetylenes and flavonoids, effectively reducing inflammation in the body.

Promotes Nerve Cells Health and Prevents Memory Loss

Luteolin, a flavonoid present in celery, has neuroprotective properties. It may help maintain the health of nerve cells, potentially reducing the risk of age-related memory loss.

Aids Digestion

The high fibre content in celery promotes a healthy digestive system by preventing constipation and supporting regular bowel movements.

Helps to Reduce Weight

Celery is a low-calorie food with a high water content, making it an excellent choice for those looking to shed pounds. The fibre content also adds a feeling of fullness, reducing overall calorie intake.

As a cooking medium, coconut oil offers several health benefits. Renowned for its antimicrobial and antioxidant properties, potential contributions to weight loss, and enhanced skin and oral health, coconut oil has garnered praise from many. Some of us have even read about “oil pulling” and wondered whether it’s effective. Here, we will explore six evidence-based health benefits of coconut oil, offering valuable insights for individuals contemplating its incorporation into their daily diet.

What Health Advantages Does Coconut Oil Offer?

Let’s explore the myriad benefits of coconut oil, a versatile and nutrient-rich substance. From promoting coronary heart health to boosting brain functions, coconut oil could be a valuable addition to your way of life.

• Unlocking Fat-Burning Potential: Rich in medium-chain triglycerides (MCTs), coconut oil is known for its calorie-burning capabilities. This, in turn, may assist in weight loss. However, one must exercise prudence, as more extensive and higher-quality studies are required to establish the correlation between MCTs and weight loss.
• Quick Source of Energy: Coconut oil’s MCTs offer a swift energy boost. Unlike long-chain triglycerides (LCTs), MCTs directly reach the liver, metabolise and provide energy. This quick absorption makes MCTs popular in sports nutrition products for athletes who require a quick energy boost.
• Curbing Hunger: MCTs, found in coconut oil, can decrease hunger pangs by producing ketones. These ketones affect the urge for appetite-related brain chemicals and hormones like ghrelin, potentially aiding weight management.
• Nourishing Skin with Coconut Oil: Beyond its culinary uses, coconut oil is a versatile cosmetic aid that promotes skin health. It effectively moisturises the skin and enhances the skin barrier function. Applying virgin coconut oil can effectively prevent dry skin due to the frequent usage of alcohol-based hand sanitisers and may alleviate symptoms of skin ailments like atopic dermatitis.
• Mitigating Seizures: Ketogenic diets, characterised by following a diet comprising low carbs and high fats, aid drug-resistant epilepsy by decreasing seizure frequency. The theory revolves around limited glucose availability for brain cells, prompting increased ketone production as an alternative energy source. Modified keto diets, featuring MCTs and a slightly higher carb allowance, have shown promise in epilepsy treatment, with research highlighting the conversion of coconut oil’s MCTs into ketones.
• Antimicrobial Effects: Coconut oil’s MCT content, especially lauric acid, contributes to its antimicrobial and antifungal properties. Comprising 50% of MCTs, lauric acid demonstrates potential effects against diverse disease-causing microorganisms, appearing as a bacteriostatic and bacteriocidal agent and offering a versatile protective shield.

Safety measures to take during heavy downpour

It is not always that you walk out of your home and expect the wrath of the rain gods; flooding the streets of your town. Though, when you are stuck in a swamped area, there are numerous fatal and potentially dangerous threats you may come across. Be it manholes, poisonous insects, breeding germs or more; it is recommended that you be prepared with survival techniques. Here are a few things that you must keep in mind for the next time you are stuck.

Climb to a Higher Altitude

The first thing to do when you find the water level rising is to abandon your property, be it your vehicle or your house and reach a safe spot at a higher altitude. Only when rescue arrives should you follow directions and recommended routes.

Never Cross a Flooded Area

Water flow during flood is unpredictable. Even a few-inches-high water level can sweep you off your feet. A car that weighs 680 Kilograms can also start to float in 2-feet-high water level. It is therefore suggested to never cross flooded areas unless help arrives or you have nowhere to go.

Use a Stick to Check for Ground Firmness

Although, it is highly recommended to not cross the flooded areas, if help does not arrive and you have to walk through the swamp, use a stick. This will help you watch out for unstable ground, obstacles and most importantly manholes. While you walk, if you find blockades hindering your route, always cross over them and not under.

Stay Away from Electrical Equipment

There is a high chance of electrical equipment, poles and circuit breakers to trip and cause a fatal short circuit as the water level rises. In such a scenario, keep a safe distance from such equipment that can cause harm and are a potential threat.

However, the availability of numerous options in the market has made it difficult to find the best health insurance for one’s need. Without a detailed and comprehensive knowledge of facts related to medical insurance policies, one may make the wrong choice.

Before buying any medical insurance policy check the different type of plans available. This will ensure you the best deal. Medical insurance policies are available under the following plans:

Group insurance:
Group insurance provides medical insurance to groups like employees of an organization, members of a co-operative society etc.

Individual:
Individual insurance policies are exclusively created for the specialized requirements of individuals. Generally individual insurance plans have higher premium rates.

Floater:
This plan caters to both a group of people and individuals. For e.g. an entire family is well insured under this plan with single premium.

Critical illness insurance:
For illnesses such as heart trouble, cancer, failure of kidney etc, health insurance companies offer a critical illness plan where the coverage amount is paid on diagnosis of the disease and not as a reimbursement of medical expenses. To get the best health insurance policy comparison of existing options is an important task. An online search helps one compare various plans of different medical insurance companies. Once this is done, seeking multiple quotes helps you make a comparison of costs and benefits to arrive at the best health insurance plan for you. Before buying a medical insurance policy, check for the following:

What percentage of medical costs would be reimbursed?
There are chances that some health insurance policies will not compensate for all the medical expenses incurred. So before purchasing it, be sure of the coverage and what percentage of medical costs would be reimbursed by the company.

What is the monthly premium and is there an anticipated rate increase?
Be sure of the monthly premiums and check with your insurance agent about the anticipated rate increase. If the monthly premiums are unaffordable, search for cheaper options.

Will the insurance company compensate for all the medical costs or only for the major expenses?
While buying a health insurance policy one is under the notion that it will cover all the medical costs. But there are chances that the policy has conditions which cover only the major expenses incurred. Along with healthy food and exercise, health insurance is an important part of leading a healthy and secured life. It is essential that you have adequate amount of coverage and a complete understanding of the exclusions of the policy, along with the least premium rates, to truly purchase the best health insurance policy available.

Are you aware of the benefits of health insurance? Do you believe that you will never need health insurance because you are fit and fine? Do you believe that the only benefit of health insurance is reimbursement in the event of hospitalization?

Here are 5 Benefits of Health Insurance

1. Don't Pay for Your Hospitalization

You can avail cashless health insurance (indemnity-based) at networked hospitals of insurance companies. It means that you do not have to pay the medical expenses at these hospitals. The insurance company settles them on your behalf.

This facility is a boon for patients as they do not incur out of their pocket expenses, freeing them up from unnecessary mental burden and enables them to concentrate on recuperation and rehabilitation.

2. Get a Convalescence Benefit

Some health insurance plans offer a daily amount for each day of hospitalization. Do not worry about keeping records of the amount actually spent to claim this daily cash. The daily cash amount does not depend upon the amount actually spent.

You can also opt for Convalescence benefit in your health insurance policy. Such a cover pays you a lump sum amount if hospitalization exceeds a certain number of days.

3. Safeguard Your Finances and Avail Tax Benefits

A comprehensive health insurance policy with an adequate sum assured can help you meet unplanned health care expenses so that you do not have to dig into your savings or reroute our income. One can also avail pre-defined tax benefits by paying health insurance premiums.

4. Cover for Life Threatening Critical Illnesses

The fixed pre-defined benefit type of medical insurance policies provides a fixed lump sum payment upon diagnosis and confirmation of certain critical illnesses like cancer, stroke, paralysis, kidney failure, etc. Irrespective of the actual amount spent by the insured, he or she receives the lump sum amount which can be used to fund rehabilitation, recuperation, lifestyle adjustment, etc.

5. Get Allied Benefits

Health care system in India has evolved with preventive health check-ups and improved diagnostics. Certain progressive insurance companies offer benefits that are generally not associated with health insurance policies. Some such benefits are:

• Consultation with nutritionists
• Free health check-ups
• Tie-ups with health service providers
• Free Consultation with doctors
• Discounts Coupons on healthcare services

Rising healthcare costs can punch a big hole in your pocket. Paying a small health insurance premium is the simplest way to mitigate the financial losses and to achieve peace of mind. Avail health insurance to save yourself from worries of hospitalization. You can use any health insurance policy app in India to buy your desired policy.

Buying health insurance plans can be one of the most confusing decisions for anyone. There are a multitude of options available in the marketplace, but the widely varying premiums and coverage options make it very difficult for us to zero down on a particular policy.

Well, worry no more! Listed below is a detailed checklist that is an absolute must-have for anyone looking to buy health insurance. Make sure you are thinking through each of the points detailed here before making a decision.

Family coverage

While individual policies for each member of the family would be ideal and provide the best coverage, it may not be a financially feasible decision because of the significant premium payout. However, when you go in for family plan, make sure you check the "Sum Insured" before choosing your plan. Any expenses above this amount will not be covered, so it's important to take adequate cover right from the start. Remember, this amount cannot be increased once you've made a claim. You also need to ensure that the amount is sufficient for hospitalisations for more than one family member.

Network hospitals

While it may not seem relevant now, travel is a significant deterrent when someone is hospitalised. Hence, when choosing an insurer, make sure that they have reputable hospitals from your vicinity, within their network. This will also help you receive cashless treatment, a boon when you have so many other things to worry about!

Reputation in the marketplace

While this may seem like an obvious point, it deserves special mention. Look up your insurer's reputation online, and speak to friends and others who have some experience with insurance. Find out about their claim settlement process, the size of their network. Don't go for too-good-to-be-true providers, because when you need them the most, they will prove to be just that.

Pre-existing conditions

Many of us have pre-existing health conditions for which we need coverage. Any mention of a pre-existing condition could impose a waiting period on your insurance plan. Make sure you check the waiting period carefully. While some cap it off at 2 years, others can go up to 4 years! Certain procedures like knee replacement, cataract operations, etc., could also have a waiting period.

Well, whatever the case maybe, not any longer. This handy guide helps you to address your basic doubts about health insurance.

Let's Start

So, what are mediclaim, health insurance and medical insurance? Well, all refer to the same thing - an insurance plan that protects you against medical emergencies, monetarily, of course. These plans cover expenses related to hospitalization, including eligible pre as well as certain post-hospitalization expenses.

Summarizing Quickly The Indian Scenario

Insurance Regulatory and Development Authority (IRDA) regulates the insurance sector in India. Any person seeking to insure himself/herself against medical expenses needs to buy a mediclaim policy by paying the requisite insurance premium on the policy. On incurring hospitalization expenses, he/she can then make a claim to the health insurance company.

Apart from the standard policies that cover expenses right from ambulance charges to operation theatre charges, a number of diverse policies are designed that cater to certain unique requirements of each person. Some of these innovative policies are as follows:

Family Medical Insurance Policy

These are family floater health plans that cover all family members under a single policy instead of individual policies for each member.

Upside: Flexibility of utilizing the sum insured by any member of the policy. E.g. If the sum insured is Rs.3 lakhs for Mr. Sharma and Mrs. Sharma; Mrs. Sharma alone can utilize the entire limit of Rs. 3 lakhs.

Downside: Members prone to illness may exhaust the cover leaving other family members with no cover or an insufficient cover.

It has become really difficult for the modern man to cope with these expenses without having a back-up plan. The best option in this respect is to buy a health insurance plan. You need to buy a health insurance plan even if you are covered with an group (employer) health insurance plan.

With a huge variety of health insurance plans available on the market these days, the task of selecting the best and cheap health insurance policy has become difficult and confusing for a common man.

Thankfully, reputed insurance companies offer comparative health insurance quotes to help their customers choose the best plan. The quotes also make this process quick and easy. All you need to do is share all of your health insurance needs and the company will offer you a choice of policies that may meet your budget and insurance needs.

Usually, the health insurance quotes are displayed on the insurance website to help visitors and prospective clients to compare cheap health insurance plans. You may easily choose a plan that ensures low premiums. It is also important to check the health plan details to choose a plan that ideally meets your budget and specific requirements. With the help of these quotes, you may even compare features of various health insurance plans and check out the best health policy.

Locating the best Health Insurance

The World Wide Web is the best place to look for health insurance plan. The place ensures 100 per cent comfort and saves time. You can get insurance right from the comfort of your home. In fact, you can do it whenever and wherever you want. These plans are a perfect fit for taking care of medical care and other health needs.

The Healthcare Facilities in India

Most of the renowned hospitals in India are located in the major metro cities such as Delhi, Chandigarh, and Bangalore. The hospitals here are of best quality and claim to offer the best and latest treatment options. These medical centres are also equipped with high quality equipment. The doctors are highly qualified and experienced. However, the healthcare facilities and treatment offered are very expensive here. In case of a health emergency, you may have to exhaust all your savings.

The dental care facilities are also expensive. It is not possible to cope with these expenses without having an insurance plan. Buying a health insurance policy in India will help you take care of a number of emergencies (as stated in the policy) without worrying about finances.

Why Buy Health Insurance?

There are many reasons to buy a health insurance plan. One of the major reasons behind this is the immense benefits it offers to the buyers. These days, the insurance plan offer cashless facilities, cover against various illnesses, personal accident, injury and a lot more.

Apart from these facilities, the health insurance in India also offers tax benefits to the buyers. As per the rules specified by the government of India, it has been mentioned that health insurance buyers will get tax benefits. As per the Income Tax Act of 1961, special provision has been made to minimize burden through tax deductions under the following sections:

80D

80DD

80DDB

Why Compare Health Insurance Quote?

A health insurance quote is an information guide on a specific insurance plan. With these quotes, you can come to know about various insurance companies and their exciting offer. Hence, it is advisable that potential customer compare many health insurance quotes prior to making a decision.

These quotes are widely available online these days. You can access treatment with the treatment anywhere across the world. You may even purchase on the internet. These quotes are easily available on the internet. All you require doing is to request for these quotes and read them carefully to know what they have to offer.

Since every individual is different, the need for health insurance differs too. What suits your friend may prove to be a misfit for you. Hence, it is crucial to make a list of health insurance requirements and use it when buying one. Equating a health insurance quote with your list of requirements is the best way to invest in the right policy.

One of the major advantages of using a health insurance quote is that it allows you to reach out to the most affordable plan. Comparing a number of plans offered by the company will let you decide on the most affordable plan.

Most health insurance experts recommend their clients to compare insurance plan as it helps them get a clear idea of what a company is offering to its clients. The comparison process should be adopted before deciding on a plan. Buying health insurance is a crucial investment. Not taking care about buying the one that fits into your specific requirements or budget.

Health insurance quotes are available online for free. You don't need to pay anything to avail these quotes. If buying an affordable health insurance plan is your prime motive, comparing quotes can really help.

Staying fit is not as time consuming as you thought

Since most full time employees work for eight to nine hours a day, learning to manage your health while at your workplace is extremely crucial. For those who have a desk job, the stakes are even higher. Here are a few tips to stay fit while working:

1. Walk

Walk as much as you can. Ditch the elevator and take the stairs. Develop a habit to walk while talking on your mobile phone. In addition, if you stay close to your workplace, you can consider walking down - not only will you improve your health, but also save money and the environment!

2. Move Around

'Sitting is the New Smoking', writes Rujuta Diwekar, a leading diet consultant, in her book 'Dont Lose Out, Work Out'. This is because the long-term effects of sitting can be extremely harmful. Move around, visit the water cooler, walk briskly after a meal. If a message needs to be delivered to a colleague, walk up to their desk. This will not only improve help your team skills and cut out waiting time but also burn a few extra calories.

3. Watch What You Eat

Diet plays a major role in maintaining our health. It is the fuel for our body and attention should be paid to ensure that only nutritious and wholesome food is consumed. Opt for a healthy home cooked meal instead of junk food that is loaded with unnecessary empty calories.

4. Watch How You Eat

Concentrate while eating. Do not multitask while at the dining table. Activities like checking e-mails, watching TV and receiving phone calls can distract you and lead to overeating. Eat slowly; never rush to gulp your food. Our mind is wired to register a full stomach only 15 minutes after it is actually full.

5. Drink

While one should drink water only when thirsty, air-conditioned office environments can trick us into not feeling thirsty for a long time after starting to dehydrate. That is why one should sip water at regular intervals. Along with water, you can try fresh coconut water, lemonade, or smoothies made from fresh fruit.

Off late, there has been an increase in the consumption of packaged energy drinks, juices, and sodas. While they provide energy, they also have high sugar content, and hence should be avoided unless you really need the extra energy. Also, restrict the consumption of tea and coffee. You can opt for healthier alternatives like decaffeinated green tea or coffee.

6. Stretch

Light exercises and stretches while sitting in a chair can improve flexibility. Ensure that you maintain a proper posture and opt for an ergonomic workstation. Stretch your limbs at regular intervals to aid blood circulation.

7. Stand Up

Be unconventional and alternate between sitting and standing while you work. Standing will help you avoid lethargy, burn calories, aid digestion and improve blood circulation.

Staying fit is not rocket science. Opt from a healthy lifestyle that involves regular exercises and good food. The mantra to remaining fit is to burn more calories than you consume by staying active. A few minor behavioral changes can pave the way for both physical and mental wellbeing. Also, don't forget to buy health insurance policy to safeguard your savings and your future.

YOU ARE WHAT YOU EAT.

This saying rightly points out the fact that being healthy starts with eating healthy. We all know a diet rich in fruits, vegetables, lean meat, and essential fats is ideal for a healthy life. Additionally, certain superfoods can augment a balanced diet and support our body’s response to fighting illnesses. These superfoods are a kind of health ammo that strengthen and support our immune system against various ailments.

You don’t need to spend a bomb to buy snake oil or manuka honey to boost immunity. Our list of immunity-boosting foods contains ingredients and items that are readily available in local Indian markets. These are neither expensive nor exotic, but they promise to build your immunity against a wide range of illnesses. While these superfoods don’t guarantee protection from the COVID-19 disease(only hand hygiene and social distancing do!), they can definitely fortify your immunity and help you fight infections in case you do fall sick. If you have a health insurance, then it will cover you from any financial losses occurred due to any diseases or infections.

1. GARLIC

Garlic does more than just adding flavor to our Indian curries and vegetable preparations. A key ingredient in most of our pantries, this superfood can help boost the immune system and help fight viral infections. Garlic is especially protective against the flu and common cold. It contains a strong concentration of allicin and other sulfur-containing compounds, which are thought to give garlic its medicinal properties. When garlic is crushed or chewed, its main active ingredient allicin is released. Not only does it reduce your risk of falling ill with the flu, but it also reduces the severity of cold and flu symptoms..

How to boost your immunity with garlic: Use peeled, crushed garlic pods to add some zing to your meals.

2. CITRUS FRUITS

Vitamin C, found in citrus fruits, is considered to be instrumental in increasing white blood cell production in the body. Since white blood cells form an important part of the immune system, they are vital in battling infections. Meeting the daily requirement of Vitamin C—75 mg for women and 90 mg for men—can go a long way in boosting your immunity. This vitamin is also claimed to be an effective treatment for the most frequent infectious disease that we catch in our lives – the common cold. It is said to make cold symptoms less severe and also decrease the duration of the illness.

How to boost your immunity with citrus fruits: Snack on oranges, lemons, kiwis or other citrus fruits between meals.

3. YOGHURT

The immune system is also involved in keeping the gastrointestinal tract clean and preventing pathogens from entering your bloodstream. This is where the role of yoghurt as an immunity-boosting superfood comes in. Yoghurt supports the immune system by inhibiting a variety of pathogenic bacteria and yeasts in the digestive tract and maintaining good gut health. Packed with live strains of lactobacillus, which is a kind of beneficial bacteria (also called probiotic), yoghurt changes the intestinal microflora and thereby promotes a healthy gut. It may enhance resistance to infection and hasten recovery.

How to boost immunity with yoghurt: Enjoy a cup of yoghurt for breakfast with nuts, fruits or cereal.

Updated on 13 Dec 2025

Even with comprehensive health insurance, hospitalisation often brings out-of-pocket expenses that policies may not cover. Costs for transportation, meals or time away from work can quickly add up, creating additional financial stress. To manage all these expenses, many health insurance providers offer a hospital daily cash allowance. This particular benefit provides a fixed, regular amount for each day you are hospitalised, providing financial relief beyond the normal hospital expense coverage.

What is the daily cash benefit in health insurance?

As the name suggests, it is a daily cash allowance designed to help cover expenses beyond the hospital bills. Policy providers offer daily hospital allowances either as a part of the insurance policy or as an additional rider. Before buying any health insurance policy or a daily hospital allowance rider, you must ensure:

• The daily cash limit offered to you
• Your eligibility for the policy
• Coverage span of the policy

Why is the daily cash benefit important?

Here are some reasons that make the daily cash benefit so essential:

1. Covers miscellaneous costs: The daily cash benefit helps in paying for transportation, food and various other out-of-pocket expenses.
2. Supports the family's needs: This specific benefit also helps cover for relatives who stay back with the patient.
3. Income replacement: When the patient is the main earner of the family, the daily allowance will provide a small but steady monetary support to the family.
4. Peace of mind: Knowing that you have additional funds during hospitalisation helps in lowering the stress level.

How does the daily cash benefit work?

The daily cash benefit works in a straightforward way. A fixed amount is set when the insurance plan is chosen, and most providers require a minimum 24-hour hospital stay to make a claim. This benefit does not cover daycare procedures or minor surgeries that don’t involve overnight hospitalisation.

Daily cash limit and coverage span of the policy also vary according to the policy provider. Usually, policy providers offer a cash limit between ₹1000 - ₹1,500 with a coverage span that varies from 3 to 10 consecutive days. Those admitted to the Intensive Care Unit (ICU) may avail cash benefits in excess of the upper cash limit, but the number of covered days will be reduced proportionately.

Persons with pre-existing medical conditions need to go through a waiting period during which they cannot make a claim. Therefore, you need to carefully assess the eligibility conditions and your medical history before buying a policy to avoid any conflict arising at the time of claim.

What is required to submit a claim under hospital daily cash benefit?

To claim the daily cash benefit, an insured individual needs to do the following:

• Submit the discharge summary and hospital admission as evidence.
• Provide all the hospital reports and bills to confirm the stay duration.
• Fill in the claim form within the given time.
• In case of cashless plans, some insurance firms will credit the daily benefit directly after confirmation.

Conclusion

The daily cash allowance is an excellent addition to the medical or senior citizen health insurance plan. It makes sure that you get extra monetary help for the non-medical costs during hospitalisation. This benefit adds a layer of stability and peace of mind, ensuring that recovery can remain the focus without worrying about incidental expenses.

If you’d like guidance in finding the right health plan, consider filling out the form on this page. An advisor can walk you through your options and help you select coverage that suits 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 a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

For rudimentary understanding it provides financial cover-up in case of illness, health issues. For same one needs to be in agreement with the insurer to invest premium amount for tackling unforeseen health issues for self and family.

Medical coverage is important for every individual as in this dynamic and fast growing scenario, people are compromising with the physical capabilities to excel more and more in their career, they usually ignore the health factors in a day to day life which cumulates to the major health problems down the line. Gradually body starts losing the immunity to fight with the internal and external agents causing health issues. Hence it becomes mandatory to prepare oneself for the upcoming health challenges to ensure the financial assistance at the time of crisis.

Medical coverage plans comes with the flexibility of both types of payments cashless and reimbursements in case of in-network and out of network respectively. For in-network, one can avail the facility by showing the medical cards and expenses to be taken care by the insurance company itself through the TPA (Third party administrator) which depends upon the entitlement. In case of out-of-network, upfront payments should be done by the user and the amount would be reimbursed upon the submission of bills. To avail these facilities one should be hospitalized for 24 hours. However in certain cases like a disease diagnosed after converge and which is to be treated in near future, tests pertaining to surgery/operations, same could be provided without the former condition. In addition, few policies give benefits for routine check-ups also. Coverage in limited to Contact lenses, hearing aids and spectacles are also not covered. Also, there are no short term policies available for health cover for less than a year.

Sum insured can be on individual or floater basis for self and dependent. It also offers an arrangement called Cumulative Bonus, which says that for every claim free year; there will be increase in sum insured by certain percentage(with capping). For any claims, it will be reduced by certain % for next year. Premium depends on certain factors like age, medical history. For older people, premium rates would be on higher side so as in case of bad medical history.

IRDA has taken a major step i.e.Health Insurance Plan Portability which allows a user to switch the policy from one provider to another (subjected to sum insured). IRDA is playing a active role by not only doing the vigilance on existing policies but also by providing as ear to the grievances and concerns related to services offered by the insurance providers. For same one can register their complaints through IGMs website and can connect via Toll free 155255. After registration of a complaint companies got 15 days time to work-upon and to resolve the issues.

Above all, medical covers provide opportunity to save tax and to lessen pressure on one’s pockets.

Insurance, at the very basic level, is an agreement between the insurer and the insured. This agreement is based on the information that the insured provides in the proposal form. Hence, this form becomes the single most important document in the whole insurance policy.

The insurance form varies from insurer to insurer, and needs to be filled either by pen or by typing (if it is an online policy). No matter how you fill it, it is imperative that that the form is filled by the one in whose name the policy will be, and not by the insurance agent. Some people sign the blank insurance form and hand it over to the agent, this is not the correct practice and can lead to regret later.

Care must be taken that the information provided is thorough and accurate, especially when it comes to your contact details, whether it's a health insurance policy, car or motorcycle insurance policy, or any other type of policy. Because, it is using these contact details that the insurer will contact you when a claim needs to be settled. Furthermore, insurance is based on the principle of good faith, so whatever information you provide must be true and complete, otherwise, it can lead to repudiation of your claim.

There are many points you need to take care of when filling the insurance proposal form, but here are some of the most crucial ones.

Correct Name

Your name is the most obvious thing that you need to get right. Remember that an agent can always misspell it, creating trouble for you. Attention also needs to be paid to the fact that it is written in block letters, so that the writing is clear and there is no case for misunderstanding. Ensure that the name is exactly the same as it is in your bank account.

Proper Address

Most people don’t pay attention to the small details, such as the difference between current and permanent address. Some people find it easier to write ‘same as current address’, in the permanent address column, even if their permanent address is different. This is especially true for those living on rent. Providing both addresses will ensure that you receive important correspondence on time.

Date of Birth (DOB)

Your age is a major factor when it comes to premium calculation. Hence, it is necessary to correctly write your DOB with supporting documents. The supporting document should preferably be either a school leaving certificate, passport or birth certificate as these are considered as standard proof of age. There are alternatives too, like PAN card, driving license and self-declaration etc. but these can attract extra premium.

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.  

Winter is just around the corner, and it’s time for you to take out your stacked woolen wear, buy cold creams and brace yourself to tackle the harsh weather conditions. A prudent option to counter the winter blues and keep your living space warm is to invest in an electric room heater, which is both comforting and economical.

However, according to the National Fire Protection Agency, approximately one-third of all house fires during the winters are caused by space-heater related issues. That’s a lot of danger for such a small appliance, which is why it is essential to keep certain safety tips in mind while using these portable space heaters:

Buy certified space heaters

All the electric appliances are tested and certified as per the Bureau of Indian Standards (BIS) on the basis of certain safety parameters. The manufacturers of these products are required to provide crucial information about the construction and usage of the appliances. Hence, you should always buy a BIS-certified room heater, that will be risk-free and safe to use at home.

Keep heaters away from objects and people

Electric heaters generate a lot of hot air by converting electrical energy into heat. This makes them dangerous for pets and children as they can get electric shocks or serious burns by accidental contact with the appliance. Also, it should be kept away from objects that may catch fire, including decorations, clothes, rugs, furniture, etc.

Place the heater away from water

Try not to use your space heater in your bathroom, kitchen, or any other area where it could be exposed to water. Even if you do need to use the heater in such areas, makes sure it’s placed at a safe distance away from potential splashes of water or leaks. If your heater comes in direct contact with the water, it could damage the electrical system, start a fire, or pose a threat of shock or electrocution to anyone nearby.

Plug directly into the wall outlet

You should always try to avoid using extension cords and plug your room heater directly into an electrical wall outlet. Electric heaters draw a lot of power and using an extension cord increases the chances of overheating, electric fires, or shock injuries. Even you if need to use the extension cord, make sure it is appropriately rated and sized for heavy appliances.

Do not over load the socket

Never overload the socket where electric heater is plugged. Plugging the space heater in the same circuit along with other electrical appliances into a receptacle will create excessive heat in the circuit and may start an electrical fire or a short circuit. This could lead to damage to the costly appliance and the electrical system of your house.

Don’t leave the heater unattended for long

You should never leave your room heater unattended for a prolonged period. Always remember to switch off and unplug the appliance before leaving the room or going to bed. Prolonged usage of heaters in closed rooms can be dangerous as it can create carbon monoxide poisoning which can cause headache, dizziness, nausea and weakness.

Look for heater with additional safety features

There are many portable heater models available in the market that include a variety of safety features that help take a lot of worry out while using them. For example, a heater with tip-over protection will automatically shut-off if it’s tipped over for any reason, and a cool-touch housing on the front that prevents accidental burns if a person accidentally comes in contact with the heater. These are useful safety features, particularly if you have active children or pets at home.

Inspect and maintain your heater regularly

You should occasionally inspect your room heater to make sure it’s clean and working properly. Check for damage in the unit and cord, and whether it’s heating sufficiently. In case of any discrepancies, contact the service centre and get it resolved immediately.

As important as it is to take adequate safety measures, it’s equally necessary to stay financially secured in case of an unforeseen incident. That is why you must buy an accident insurance policy to protect yourself against mishaps and tackle such situations with ease. Don't forget to explore your options for comprehensive health insurance coverage to ensure holistic protection for you and your loved ones

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.  

Cherimoya, popularly known as custard apple, is a health reservoir in addition to its delicious flavour. Originating in South America, this green, heart-shaped fruit is a favourite among fruit lovers worldwide, given its creamy texture that reminds of custard. Beyond its delicious flavour and distinctive texture, cherimoya has many nutrients that provide unexpected health advantages. 

What are the Health Benefits of Custard Apple?

This article explores eight surprising benefits of custard apple you should include in your diet.

1. Can enhance eye health: Rich in carotenoid antioxidant lutein, which combats free radicals to preserve healthy eyesight, cherimoya is an excellent source of antioxidants for your eyes. Several studies have linked high lutein intake to good eye health and a decreased risk of age-related macular degeneration (AMD), a disorder characterised by vision loss and eye damage. Besides protecting from cataracts, a clouding of the lens that results in poor vision and vision loss, lutein may also guard against other eye conditions. Thus, eating foods high in lutein, including cherimoya, can improve eye health and lower the risk of diseases such as AMD and cataracts.
2. Can promote healthy digestion: One cup of cherimoya contains about 5 grams of dietary fibre or more than 17% of the recommended dietary intake (RDI). Fibre gives stool weight and helps it pass through your intestine as it cannot be digested or absorbed. Furthermore, soluble fibres, such as those in cherimoya, can ferment to form short-chain fatty acids (SCFAs) and nourish the beneficial bacteria in your stomach. Propionate, acetate, and butyrate are some of these acids.

Besides providing your body with energy, SCFAs may help prevent inflammatory diseases of the digestive system, such as ulcerative colitis and Crohn's disease. Custard apples and other high-fibre meals support regular bowel motions and the health of the digestive system by feeding gut flora.

3. Can bolster immunity: One of the benefits of custard apple is that they are rich in vitamin C, which boosts immunity by warding off illnesses and infections. Reduced immunity and a higher risk of infection are associated with vitamin C deficiency.

Human studies further suggest that vitamin C could lessen the duration of the common cold. A straightforward method to ensure your immune system is functioning properly is to eat cherimoya and other foods high in this vitamin.

You must have heard of the bountiful advantages of olive oil, and the olive fruit itself is not far behind regarding its many benefits. These stone- or drupe-like fruits are related to almonds, peaches, cherries, mangoes, and pistachios. Olives are rich in vitamin E and other powerful antioxidants, making this fruit an excellent choice for improving overall health.

Monosaturated fat in olives is good for health. Hair experts say, “Some fat found in olives and olive oil are not bad; these are heart-healthy.”

Let’s dig deeper and explore the core benefits of olives for overall health transformation. 

What are the Health Benefits of Olives?

Olives are your reliable natural ingredients to attain overall health transformation. Here are the benefits of olives for your reference:

1. Improves heart health: Olives contain oleic acid that can optimise heart health by reducing high BP and pumping good cholesterol.
2. Provides healthy fats: All fats are not bad, and olives are a rich source of healthy fats that may control obesity. Olives contain more calories than protein and carbohydrates, making the fruit suitable for heart health and maintaining a balanced weight.
3. Boosts fibre in diet: A study says a half cup of olives contains around 1.5 grams of fibre. Fibre in our diet is crucial for maintaining a healthy digestive system, feeling full for an extended time, and improving heart health. We Indians usually do not consume enough fibre; olives can bridge that gap significantly.
4. Improves bone health and immunity: Vitamin E is crucial for healthy bones and muscles. It enhances immunity and protects from several diseases. It can also help decrease the risk of severe diseases such as Parkinson’s and cancer.
5. Vitamin E supply: Doctors recommend against relying too much on vitamin E supplements. We should promote vitamin E intake through foods rich in vitamin E, for instance, olives. Leverage the benefits of olives through diverse recipes and add-ons.
6. Makes you feel full: Olives are rich in fat and are a perfect snack for light hunger and keeping hunger at bay till the next full-course meal.
7. Reduces cancer risk: Olives contain antioxidants and phytonutrients that minimise inflammation and provide protection from diseases such as cancer.
8. Manages blood sugar levels: Monosaturated fats in olives can control blood sugar levels and improve diabetic conditions.

Updated on 11 Dec 2025

Pears are sweet, bell-shaped fruits that have been enjoyed for centuries. They can be eaten crisp or soft. Apart from their taste, pears are also packed with nutrients that make them a healthy option for everyone. 

Whether you want to eat a pear as a snack, add it to your salad, or enjoy it as they are, pears are a sweet treat that energise your body every day.

What are the health benefits of Pears?

Check out the following points to know the amazing health benefits of eating a pear. 

1. A powerhouse of nutrients: According to the USDA, 100 g of pears contain water (84 g), calories (57 kcal), carbohydrates (15.2 g), fibre (3.1 g), fat (0.14 g), and protein (0.36 g). The nutritional value of pears is exceptional, and these nutrients provide a balanced food for your holistic health improvement.
2. Improves skin and hair health: Pears contain vitamin A and nutrients such as lutein and zeaxanthin, which are beneficial for maintaining healthy and beautiful skin and hair.
3. Improves bone and muscle health: Pears contain copper, phosphorus, manganese, magnesium, and calcium. These are vital ingredients for retaining bone strength, preventing mineral loss, and improving debilitating conditions.
4. Reduces inflammation: Leverage the benefits of pears for controlling inflammation with their antioxidant and flavonoid characteristics. Doctors recommend pears to people with symptoms of rheumatic conditions such as arthritis and gout. Pears can also alleviate swelling or pain that comes with inflammation.
5. May help fight inflammation: Research also suggests the beneficial impact of pears on metabolic and inflammation-related diseases such as heart ailments, cancer, and diabetes. Pears also contain vitamins C and K, which help fight inflammation-related problems.
6. Improves blood circulation: If you are anaemic and have other mineral deficiencies, incorporate pears into your diet. The iron and copper in pears boost blood iron levels and increase the body's RBC synthesis.
7. Rich in vitamins and minerals: Pears contain vitamin C, which helps heal wounds and cuts faster. It also improves heart health by optimising blood pressure as a vasodilator. Pears contain potassium, which helps improve the oxygen supply to organs.
8. Enhances immunity: Pear antioxidants can help eliminate cancer-causing cells. The red variety of pears is known for its excellent benefits for people with diabetes. Its rich fibre content optimises digestion and improves gut health.

Nutritional value of Pears

Pear provides valuable nutrients. Do you know that a pear has Macronutrients, Vitamins and Minerals?

Macronutrients

• Calories:101 kcal
• Carbohydrates: 27 g
• Fibre: 6 g (22% DV)
• Sugar: 17 g
• Protein: 0.6 g
• Fat: 0.3 g

1. Vitamins

• Vitamin C: 8 mg (9% DV), supports immunity and works as an antioxidant.
• Vitamin K: 8 mcg (7% DV), important for bone health.
• Folate and B vitamins: Support energy levels and cell repair.
• Vitamin A: Found in small amounts, it works for skin and vision health.

1. Minerals

• Potassium: 206 mg (4% DV), helps regulate blood pressure.
• Copper: 0.14 mg (7% DV), important for nerve and immune function.
• Boron: It helps in calcium absorption and supports strong bones.
• A small amount of calcium, magnesium and phosphorus also supports bone strength.

Is it good to eat pears every day?

Yes, pears are a safe and beneficial fruit that can be consumed daily. Their high fibre content supports digestion and gut health, and they can be easily included in meals.

They contain anthocyanins and flavonoids that help reduce the risk of diabetes and heart-related problems.

1. Better gut health due to high fibre
2. Lower cholesterol and risk of heart disease
3. Help with weight management as they are filling, but they are still low in calories.
4. Cancer-fighting plant compounds and antioxidants
5. Improved blood sugar control

Eating them regularly can complement your lifestyle in the same way an individual health insurance plan supports personal healthcare needs.

Conclusion

Pears are a nutrient-rich fruit that offers fibre, minerals, vitamins and antioxidants. Eating pears regularly will improve your heart health, digestion, weight management and immunity. Since most nutrients are found in the peel, it is best to eat pears with the skin on.  

If you regularly add pears to your diet and get a health insurance policy, you can do great in your fitness journey.  Good nutrition and the right insurance plan work together to protect your health. Fill out the form here to get expert advice on health insurance solutions for you and your loved ones.  

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

Mushrooms are fleshy and nutritious fruit parts of certain macro-fungi groups. It can grow above or below the ground, and you can hand-pick these healthy natural elements. Edible mushrooms are generally produced in a controlled environment with suitable nutrients, light, soil, humidity, pH level, air, pressure and ventilation.

Popular mushroom variants are button, milky, paddy, oyster, reishi and shitake. Mushrooms have multiple health benefits. They are a rich source of vitamin D, selenium, riboflavin and potassium and are excellent for managing weight, reducing the risk of developing several serious diseases and boosting immunity.

Incorporate these fleshy food ingredients into your diet and improve overall health. Let’s continue reading to explore seven ways mushrooms can contribute to your health.

What are the Health Benefits of Mushroom?

Here are the essential health benefits of mushrooms, and enjoy fungal fiesta for healthy you:

1. Reduces Cancer Risk: A daily intake of mushrooms (around two medium mushrooms) can lower cancer risk by almost 45%. It is a rich source of ergothioneine, an antioxidant and amino acid that reduces and prevents cellular damage.

2. Optimises Blood Pressure: Our blood pressure and sodium usually go hand in hand. Mushrooms have a naturally low sodium quantity. Incorporating mushrooms into your daily diet can optimise sodium intake and balance blood pressure. High sodium causes the body to retain excess fluid, which can shoot up blood pressure faster.

3. Optimises Calories, Cholesterol and Fat Intake: Mushrooms, especially shiitake mushrooms, help to keep cholesterol levels in check and optimise fat and calorie intake for your body.

4. Improves Mild Cognitive Impairment Conditions: MCI is considered the precursor to Alzheimer’s disease and affects language and memory significantly. Researchers have found commendable benefits of mushrooms for people suffering from MCI. You can incorporate mushrooms into your diet and protect yourself and your family against such diseases.

5. Promote a Healthier Gut: Your gut’s microbiome houses vital organisms impacting health and mood and benefits from stimulating healthy bacteria growth through prebiotics like mushrooms. Mushroom polysaccharides, the predominant carbohydrate, survive stomach acid, reaching the colon unchanged and supporting beneficial bacteria growth, as confirmed by research.

6. Provides Vitamin D for Bone and Muscle Health: Mushrooms can be a good source of vitamin D for strong bones and muscles. It improves immunity and fighting abilities against several diseases. We have all seen the use of vitamin D tablets for immunity during coronavirus times. In extreme winters, when we hardly get any sunlight, doctors recommend vitamin D supplements or a diet to retain bone health.

7. Healthy Immune System: Mushrooms, rich in macronutrients, are a key ally for a healthy immune system. Varieties like cremini or portabella provide selenium, supporting antioxidant enzyme production. Maitake mushrooms offer vitamin D for cell growth and immune function, while shiitake mushrooms excel in providing vitamin B6 for red blood cells, protein and DNA formation.

Updated on 10 Dec 2025

Jaggery, also called Gur, is more than just a natural sweetener. It’s known to boost metabolism, soothe sore throats and offer several other health benefits. In Ayurveda, jaggery is often combined with other remedies to help with coughs and congestion. During winter, eating jaggery can help keep your body warm and protect against seasonal illnesses.

With its amazing benefits and nutritional value, jaggery is considered a true superfood. Let’s take a closer look at what makes it so special.

What is jaggery?

Jaggery is an unprocessed sweetener made by boiling sugarcane juice (or date palm sap) until it thickens and solidifies into blocks or powder. Unlike refined sugar, it retains natural minerals and vitamins, including iron and potassium, making it a more nutritious alternative.

What are the health benefits of jaggery?

Below are a few of the potential health benefits of jaggery:

1. Boosts immunity: Jaggery contains minerals and antioxidants, such as iron, zinc, selenium and phenolic compounds, that may help support immune function and neutralise free radicals.
2. Aids digestion: Jaggery can prevent bowel problems like constipation and indigestion by activating the digestive organs.
3. Detoxifies the body: Jaggery helps remove harmful substances from the lungs, stomach and intestines. It acts as a natural detoxifier and keeps the body clean.
4. Provides relief from asthma and allergies: Jaggery is an excellent source of iron, and regular consumption of it improves haemoglobin levels. By improving haemoglobin levels, breathing and oxygen-carrying capacity are improved, relieving people with allergic asthma. The anti-allergic effect of jaggery also comes from selenium.
5. Sustained energy: As a form of complex carbohydrate, jaggery is absorbed slowly, providing a more sustained release of energy compared to refined sugar and reducing the likelihood of energy crashes.
6. Balances body salts: Jaggery contains potassium, which helps maintain the body's electrolyte balance. This prevents dehydration and keeps the body healthy.
7. Relieves menstrual pain: Jaggery is rich in folate and iron, which promote blood circulation during menstruation to alleviate pain.
8. Prevents anaemia: Jaggery is a natural source of iron, which plays a crucial role in the production of haemoglobin and red blood cells. Regular consumption can help improve iron levels and alleviate symptoms associated with anaemia.
9. Improves skin health: Jaggery is believed to help cleanse the blood and support the removal of toxins. By promoting overall detoxification, it may contribute to healthier, clearer skin.
10. Improves heart health: Jaggery contains a lot of potassium, which is important for regulating blood pressure and heart function and can help to prevent heart diseases. Magnesium present in jaggery helps protect blood vessels.

Nutritional value of jaggery

Unlike sugar, jaggery offers nutritional value beyond just empty calories, making it a healthier choice. Half a cup (100 grams) of jaggery may contain:

• Calories: ~383 kcal
• Carbohydrates: ~97 g
• Iron: ~11 mg (61% of daily requirement)
• Magnesium: 70–90 mg
• Potassium: ~1050 mg
• Calcium, phosphorus, zinc and copper: Present in small amounts

Is jaggery more nutritious than sugar?

Yes, jaggery has more nutrients than refined sugar because it retains molasses, a nutritious by-product of the sugar-making process that is removed in refined sugar. The presence of molasses provides small amounts of micronutrients, making jaggery a more nutritious option than refined sugar.

However, jaggery has a high glycaemic index, as it is rich in sucrose and is calorie-dense. This implies that it might boost blood sugar levels. People with diabetes should consume it in moderation. If you have any underlying health concerns, it is always wise to check with your doctor before changing your diet.

Conclusion

Jaggery is a natural source of nutrients that can support immunity, improve digestion, promote heart health and help prevent anaemia. Replacing sugar with jaggery in tea, coffee or desserts is a small step towards better health.

Along with healthy eating, protecting your health with the right health insurance plan is just as important. Fill out the form on this page to get guidance on health or critical illness insurance plans and ensure peace of mind for 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 a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.