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  • Nightlife In Budapest: Places To Go

    by iciclombard 01 | Oct 30, 2023

    Budapest nightlife offers something for everyone. Whether you’re looking for a casual evening out with friends or the chance to experience the city’s vibrant club scene, there is an endless variety of choices. From intimate cocktail bars to bustling nightclubs, Budapest has it all. No matter your taste in nightlife, you’ll find something to suit the city’s many vibrant spots and moods! In this post, we’ll explore some of Budapest’s top places to immerse yourself in its dynamic after-dark scene.

     

    Places to go in Budapest

    Budapest’s nightlife is a dazzling mix of history, culture and modern entertainment. Thus, whether you’re a night-time explorer or somebody hoping to loosen up following a day of touring, Budapest nightlife brings something to the table for everybody.

     

    • Ruin bars: Where history meets entertainment

    A defining feature of Budapest’s nightlife is its unique ruin bars. These establishments are a fusion of art, culture and entertainment, often set in dilapidated buildings or courtyards. Szimpla Kert, one of the pioneers of this trend, is a testament to the city’s creative spirit. With its mismatched furniture, graffiti-covered walls, and an eclectic mix of music, Szimpla Kert offers an unforgettable bohemian experience. Instant-Fogas is another favourite, boasting multiple dance floors and a labyrinthine layout within its historic walls.

     

    • Elegant ruin pubs: A classy twist

    For those seeking a more refined atmosphere, Budapest offers elegant ruin pubs that blend sophistication with the unique charm of the ruins. Like Mazel Tov, these venues provide a cosy yet upscale setting, often accompanied by live music and a wide selection of craft cocktails. Mazel Tov’s enchanting garden and glass roof make it just right for a relaxed evening with friends.

     

    • Cruise the Danube: Night lights from the water

    The Danube River that flows through Budapest offers a captivating perspective of the city’s illuminated beauty at night. Numerous operators offer night time river cruises, allowing you to enjoy iconic landmarks like the Parliament Building and Buda Castle while sipping a glass of local wine. The gentle lapping of the water and the city’s glittering lights create a truly magical experience.

  • What to look for when selecting health insurance quotes?

    by icicilombard 002 | Oct 30, 2023

    This is because your health insurance policy not only cushions you from the impact of heavy medical and health care bills but also ensures that the insured can avail of quality health care services. It then becomes important to have a thorough knowledge of the policy features as also the insurance quotes of the insurance provider.

    The conventional method of acquiring a health insurance would be to contact the insurance company executive you are interested in. Through these meetings the potential customer acquires knowledge on the health insurance quotes. The agent will also disclose the costs and conditions of the insurance policy so that the interested person can easily make a decision on which policy to buy based on his or her needs.

    With changing times and fast paced lives, the means to acquire information regarding health insurance in India have become all the more convenient. Simply log on to the internet, locate insurance provider’s website and browse through various policies on offer. These websites also offer a clear insight into the insurance quotes and the premium payable after taking into account several factors like the age, health of the insured and sum insured coverage chosen. This convenient process takes just few minutes and is a boon for those working on tight schedules.

    When buying comprehensive health insurance it is important to select comprehensive insurance policies. These policies not only help you get the best of health care facilities but also reduce the financial load without depleting your savings. Health insurance plans like Complete Health Insurance and Health Care Plus offer several benefits apart from covering medical expenses like cashless claim benefit. Under this feature, the insured can easily avail of health care facility from any of the health care providers under the network of the policy provider.

    Some health insurance quotes also include the option of selecting add-on covers with the payment of some additional amount on your premium. These covers can prove extremely beneficial in the long run and add to the complete coverage offered by your health insurance policy.

    Knowing several salient features of different health insurance policies can prove extremely beneficial to the potential customer. Also, with technology and easy access to information, selecting your health insurance policy has become considerably easy.

    Disclaimer - The article contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation.
      
    IRDA Reg. No. 115
    Toll Free No: 1800 2666
    Job Code: EC012227ML
    Product Code: Misc. 128, Misc. 113

  • Benefits of Buying Health Insurance Plan Online

    by Almog Ramrajkar | Oct 30, 2023

    Not just that, when you buy a health insurance plan, you are assured of optimal treatment when you need it the most to ensure a speedy recovery. Therefore, selecting a good insurance cover which takes care of your finances and health is extremely crucial. With the multitude of insurance providers offering health insurance policies, selecting the correct policy can at times get daunting. The internet in this case can be a savior and provide reliable information which should make selecting your policy easier.

    Several insurance providers offer their health insurance which is a new trend over the conventional mode of operating through an insurance agent. Through the internet, you can get access to several quotes and know the extent of coverage offered by the health insurance plan. The coverage for different health insurance plans in India differs from one insurer to the next and by going online, you can easily compare and decide which health insurance cover best matches your needs. By comparing quotes, you will also get a fair idea about the premium payable for each insurance cover on offer. This way, you may select a health insurance cover without going over your budget. As all this information is always available online, accessing it at your convenience whether at home, at work or while travelling.

    You can also purchase your health insurance policy online, anytime, anywhere through a computing device with internet access. This saves the hassle of setting aside time from your busy schedule to meet with insurance agents or travel to the insurance office to get quotes and process the requisite paperwork. Some insurance companies offering health insurance plans which may not require persons below a certain age to undergo a medical test before policy purchase. So, you need to look for insurance policies with medical test exemption so that buying online is all the more convenient.

  • Why is it Important to Buy a Health Insurance Plan?

    by Almog Ramrajkar | Oct 30, 2023

    With the constant increase in the cost of medical facilities, securing even the basic medical treatment for the ailing is now beyond the common man. This awareness and inflation is changing the face of health insurance in India and has promoted both urban and rural buyers to purchase a health policy plan.

    When a person is young, health is generally not a concern. It is however, important to consider the possible deterioration of health later with advancing age, increasing stress and reduced immunity among several other factors. Not just that, a medical exigency can arise anytime, whether you are young or old. It is thus important to purchase health insurance cover. Some health insurance providers offer family medical insurance covers. It is essential to check who the health policy covers i.e. limit on the number of adults and children to be included in the policy, before you sign the dotted line. Such health plans are extremely beneficial as you can optimally insure your loved ones with the payment of a single premium.

    health insurance policy typically offers coverage for the expenditure made towards medical treatment. A comprehensive health insurance offers enhanced coverage apart from surgeries and several insurance providers offer coverage for doctor’s visits, cost of medication and several in-patient and out-patient expenses. Some health insurance providers have special plans which cover life-threatening or critical illnesses, the treatment for which usually runs into huge hospital bills. Thus, your health policy plan keeps you prepared in the wake of any medical emergency and relieves you of the stress of arranging for finances at the eleventh hour.

    The coverage offered by health insurance providers varies greatly. It is for this reason that a thorough research is important with regards to extent of coverage. Several insurance providers have a tie-up with hospitals where the insured can avail of treatment. ICICI Lombard has a tie-up with over 4000 premium health care providers where the insured can avail of cashless hospitalisation. You also need to take into consideration the amount paid for insurance premium and co-payments or deductibles, if any. All this will help you select a good health insurance plan which offers adequate medical coverage and also accommodates your budget perfectly.

  • List of Cashless Network Hospitals in Jhansi

    by icicilombard 002 | Oct 30, 2023

    ICICI Lombard Health Insurance Cashless Network Hospital List in Jhansi, Uttar Pradesh

    Explore ICICI Lombard’s health insurance plans :

    which offers people much needed financial backup during any medical emergencies.

  • List of Cashless Network Hospitals in Jaunpur

    by icicilombard 002 | Oct 30, 2023

    ICICI Lombard Health Insurance Cashless Network Hospital List in Jaunpur, Uttar Pradesh

    Explore ICICI Lombard’s health insurance plans :

    which offers people much needed financial backup during any medical emergencies.

  • List of Cashless Network Hospitals in Hathras

    by icicilombard 002 | Oct 30, 2023

    ICICI Lombard Health Insurance Cashless Network Hospital List in Hathras, Uttar Pradesh

    Explore ICICI Lombard’s health insurance policies :

    which offers people much needed financial backup during any medical emergencies.

  • List of Cashless Network Hospitals in Hardoi

    by icicilombard 002 | Oct 30, 2023

    ICICI Lombard Health Insurance Cashless Network Hospital List in Hardoi, Uttar Pradesh

    Explore ICICI Lombard’s health insurance plans :

    which offers people much needed financial backup during any medical emergencies.

  • List of Cashless Network Hospitals in Hapur

    by icicilombard 002 | Oct 30, 2023

    ICICI Lombard Health Insurance Cashless Network Hospital List in Hapur, Uttar Pradesh

    Explore ICICI Lombard’s health insurance policies :

    which offers people much needed financial backup during any medical emergencies.

  • List of Cashless Network Hospitals in Greater Noida

    by icicilombard 002 | Oct 30, 2023

    ICICI Lombard Health Insurance Cashless Network Hospital List in Greater Noida, Uttar Pradesh

    Explore ICICI Lombard’s health insurance plans :

    which offers people much needed financial backup during any medical emergencies.

  • List of Cashless Network Hospitals in Gonda

    by icicilombard 002 | Oct 30, 2023

    ICICI Lombard Health Insurance Cashless Network Hospital List in Gonda, Uttar Pradesh

    Explore ICICI Lombard’s health insurance plans :

    which offers people much needed financial backup during any medical emergencies.

  • List of Cashless Network Hospitals in Ghaziabad

    by icicilombard 002 | Oct 30, 2023

    ICICI Lombard Health Insurance Cashless Network Hospital List in Ghaziabad, Uttar Pradesh

    Explore ICICI Lombard’s health insurance plans :

    which offers people much needed financial backup during any medical emergencies.

  • List of Cashless Network Hospitals in Firozabad

    by icicilombard 002 | Oct 30, 2023

    ICICI Lombard Health Insurance Cashless Network Hospital List in Firozabad, Uttar Pradesh

    Explore ICICI Lombard’s health insurance policies :

    which offers people much needed financial backup during any medical emergencies.

  • Insure yourself a longer life with health insurance

    by icicilombard 002 | Oct 29, 2023

    Mediclaim will insure you and your family of medical coverage for all members as well under a separate policy.

    With the advent of new technology, the medical and health sector has seen tremendous growth. There are new drugs to fight illnesses that were initially considered incurable. However, the cost of these drugs is not something that you can keep paying for too long without draining your savings. Even the cost of normal healthcare has increased in keeping with the upwardly mobile economy. For a middle class family, a medical emergency could mean a drain on their savings. Therefore, it is only health insurance that can assure you of proper medical care in emergencies.

     

    In a health insurance scheme, a person of a certain age can get coverage of a fixed amount of medical expenses per annum by paying a premium annually. With health insurance therefore, you can insure yourself of proper treatment in a reputed hospital.

    In addition to the basic benefits inbuilt in a health insurance, there are other features and coverage in many of the policies offered by different companies.

    • Family floater plans:

    Under such plans you pay slightly higher premium to cover up to 4 members of the family under the same plan. It provides the flexibility of choosing a cover for the entire family. If one member of the family is hospitalised and money is needed for his treatment out of the assured sum, the balance money is available for other members. In the family floater scheme, you will get proper medical care for the whole family.

    • Hospitalisation cash benefit:
      Under this clause, for every completed day of hospitaslisation the insured gets cash benefits. This compensates to a large extent for the expenses incurred for hospitalisation and loss of earnings for staying away from work.
    • Pre hospitalisation and post hospitalisation benefits:
      There are some mediclaim policies which provide coverage for diagnostic and medicinal charges 60-90 days prior to hospitaslisation. Similarly, after discharge from the hospital, expenses related to check up and medicines are reimbursed for a specified period.
    • Cashless facility:
      Under this facility you are not required to pay the bills to the hospital put of your own savings. There is direct settlement with the hospital. The payment of hospital charges is done by a Third Party Administrator (TPA) which in turn settles the reimbursement with the insurance company. This arrangement is done for a network of hospitals. You can get proper treatment in any of these hospitals under the cashless facility.

      A good policy assures you of many benefits that you can avail of at present or in the future. Invest in one now to save yourself troubles in the near future.
  • How to Battle Depression Part 3

    by icicilombard 002 | Oct 29, 2023

    In this article, we empower you with all you need to know about depression as a condition. Combine that with the practical ways of battling depression (you can find Part 1 here and Part 2 here), and depression doesn't stand a chance before you. Let's delve deeper into what really depression is, what are its causes and what more you can do to emerge victorious.

    So, What is Depression?

    Depression is a mental state in which a person experiences a low mood. He/she is averse to doing anything that might have an impact on his/her thoughts, feelings or behaviour. Emotions associated with depression are hopelessness, sadness, anxiety, helplessness, guilt and irritability. If worst comes to worst, the person loses all interest in the activities that once interested and excited him/her.

    What Are the Possible Causes of Depression?

    Depression is a normal emotional response to a sad event in life. However, prolonged sadness converts into psychological depression and is dangerous, if untreated. Some of the most common causes of depression can be classified as:

    Matters of the Mind-Life Events

    Life events like those during childhood (neglect, abuse, etc.), childbirth, menopause, financial problems, death of a near one, troubled relationships, social problems, may contribute to depressive state of mind. Diagnosis of chronic diseases, like AIDS or cancer, may also lead to depression.

    Non-Psychological Reasons

    Common amongst non-psychological reasons are infectious diseases and certain disorders (stroke, diabetes, multiple sclerosis, hypothyroidism etc.). Depression is also linked to certain medications (interferon treatment in Hepatitis C infection) and drug abuse.

  • Benefits of Vitamin A

    by iciclombard 01 | Oct 27, 2023

    All you need to know about Vitamin A and its benefits

    Vitamin A is a fat-soluble nutrient essential for the smooth functioning of several physiological processes of the human body, from immune system maintenance to skin cell replacement. Since our bodies cannot produce vitamin A, it’s important to include vitamin A foods in your diet.

    The recommended dietary allowance (RDA) for adults is 900mcg for men and 700mcg for women daily. For pregnant and lactating women above 19 years, a daily dose of 770 and 1200mcg is recommended respectively. The recommended daily dose for children increases as they age, making it a vital nutrient for the growth process.

     

    Sources of Vitamin A

    Vitamin A can be found in plant and animal sources, which ensures that you are eating a balanced diet. Plant sources contain carotenoids; the plant-based form of vitamin A, which is converted to vitamin A after it is consumed. This includes dark green coloured vegetables such as spinach, chard, amaranth, along with carrots, pumpkins, squash, mangoes, papaya, and maize. The animal sources include liver, fish liver oil, dairy products, and eggs. Besides, vitamin A can be found in red palm and Biruti palm oil.

     

    Benefits of Vitamin A

    It is necessary to intake the recommended dose of vitamin A for a healthy body, either through a balanced diet or through multivitamin supplement. This nutrition plays a vital role in bodily functions, with benefits such as:

    • Physiological processes– It helps in physiological processes such as ensuring that tissues produce mucous to act as barrier to infection. It also helps in neurological functions, formulation of sperm cells, and supports bone growth.

     

    • Prevents cancer– The antioxidants in vitamin A, along with retinoic acid, is said to prevent several types of cancer such as colon, breast, and skin cancer.

     

    • Skin health– Deficiency of vitamin A can cause several skin problems and an excess intake causes dry and itchy skin. Since it supports skin cell growth, it is a necessary nutrient for healthy skin.

     

    • Supports the immune system– Vitamin A helps with several functions of the body’s immune system. Its deficiency can cause a weakened immune system, leading to increased infections.

     

    • Improves eye health– Vitamin A in balance doses improves night vision by aiding the eyes to adjust to light changes and keeps the eyes moist. It can also reduce the risk of cataracts and macular degeneration, which is the cause of vision loss.
  • Effective Meditation Therapies for Better Health and Well-Being

    by iciclombard 01 | Oct 27, 2023

    Essentially, meditation is an act through which a person can perform contemplation. It is a process of training the mind. It helps induce a state of consciousness.

     

    Did You Know?

    Ancient Hindu texts liken the mind to a wild, untamed horse. Only meditation was believed to train and bring the mind under control.

    Ancient yogis practised meditation to control the mind, decrease its pull towards the illusory world and contemplate on the Divine.

    Meditation has been given much importance even in other religions, like Buddhism, Christianity, Jainism, Islam and Judaism.

    Our modern world is waking up to the benefits of mediation, with more and more institutions offering courses on the methods of practising it.

    Mind over Matter!

    Meditation involves calming the mind, increasing consciousness and staying in a state of heightened awareness. Modern research shows that meditation yields tangible health benefits and is excellent for reducing stress and anxiety.

    Our brain really is the seat of power. The entity we all know as "will" is a creation of the brain and there are reports (read medical miracles) wherein deadly diseases or disorders have simply vanished due to the "power of the will".

    The health benefits of meditation might thus be correlated to the strengthening of this "will power". Studies have indicated the following:

    Increased Brain Power: When you are a habitual meditator, positive structural changes occur in your brain. You will have heightened awareness of the surroundings, yet your mind would be calm and peaceful, without agitation.

    Lesser Sleep Requirement: When you reach the stage of an experienced meditator, you will require substantially less sleep, without decrease in cognitive or vigilance abilities.

    Complete Wellbeing: Regular meditation brings about a complex biochemical and physical change in your body. This is called the "relaxation response." This eases out aches, pains, and stress.

  • 5 Tips to Lose Weight Effortlessly

    by mohit bohra | Oct 27, 2023

    So, is dieting (and other painful procedures, which we'd rather not name) the only way to fit into those trousers marked 'S' or maybe 'M'? Of course not. Shedding those extra kilos needn't be a harrowing experience. Small but sustained changes to your lifestyle can do the trick. But no, they cannot help you lose weight overnight. Here are five amazingly simple tips that can be your stepping stone for a healthier and fitter life.

    Tip 1: Never Skip Breakfast

    "When you have something for breakfast, you're not going to be starving by lunch."
    - Bruce Barton

    "Breakfast like a King," said our ancestors. This adage holds a lot of scientific and gastronomic truth if you are keen on maintaining the perfect weight. A full, healthy breakfast gives you enough energy to start your day with vigor and vitality and prevents you from getting mid-hour hunger pangs. Eat whole grains, cereals and fruits to supply your body with enough nutrients to carry on till lunch.

    Tip 2: Add. Don't Subtract!

     "I like food. I like eating. And I don't want to deprive myself of good food."
    - Sarah Michelle Gellar

    Add a variety of new, healthy food options, rather than removing foods from your list. Limiting the portions of carbohydrates and refined stuff and adding fruits, green veggies and high-fiber foods does the trick. Don't kill your cravings. But don't binge. A small portion of your favorite snack is not going to derail your weight-loss plans.

    Tip 3: Don't confuse between thirst and hunger

    "The only way to keep your health is to eat what you don't want, drink what you don't like, and do what you'd rather not."
    - Mark Twain

    Your body needs around 1.2 liters of water a day. More, on a hot day. Most of the times when our body is thirsty, we confuse it with mid-hour hunger and give ourselves a reason to snack, when all we require is a glass or two of water. Water also gives our stomachs a sense of fullness and prevents you from stuffing food that is not wanted.

    Tip 4: Sniff an apple and stare at blue

    "When an idea exclusively occupies the mind, it is transformed into an actual physical or mental state."
    - Swami Vivekananda

    This is not a joke. Seriously. It's all in the mind. Research has shown that when people sniff on foods like a banana or an apple or even peppermint, the mind is tricked into believing that you are actually eating the food. Also, the color blue acts as a hunger suppressant. So why not try keeping an apple and a blue scarf or handkerchief in your purse or bag?

    Tip 5: Walk

    "I've been on a diet for two weeks and all I've lost is fourteen days."
    - Totie Fields

    This may sound elementary but it is the best way to get some physical exercise. A 45-minute walk can give you sufficient amount of exercise to help you burn a lot of calories. This could help you shed up to around 15 kilos of body weight in a year. And that too without any fancy diets or mindless food controls.

    Motivation to lose weight is pretty important when you embark on this journey. But losing weight need not be a battle. It could be an "everyday thing." An active, conscious lifestyle is all that is needed to enjoy life to the fullest.
    Also, don't forget to buy a health insurance policy to safeguard your future & finances.

  • How to Go About Organ Donation?

    by iciclombard 01 | Oct 27, 2023

    Did you know that at least 7 lives can be saved from the donations of a single organ donor?

     

    Understand the significance and make a difference

    Organ donation, the practice of removing healthy organs and tissues from a donor and transplanting them to a person in need, can help save numerous lives.

    Most organ donations are performed after a person’s death; however, some organs and tissues such as kidneys and a part of the liver can be donated while the donor is still alive.

     

    Who Can Donate Organs?

    Every adult can become an organ donor. Even children can become organ donors with consent from their parents. Patients with certain diseases such as cancer, HIV, and some types of infections cannot donate their organs.

     

    What Can You Donate? Different Types of Organ Donations

    A living person can donate blood, bone marrow, one kidney, and portions of their liver, lung or pancreas. When the living donor is a family member of the patient receiving the transplant, it is called a live related donation. If it is a friend, relative or neighbour it is known as a live unrelated donation. Donors can donate corneas, skin upto 100 years; kidneys, liver upto 70 years; heart, lungs upto 50 years, and heart valves upto 40 years.

    After the donor’s death, it is known as deceased cadaver organ donation in which the recipient-to-be is put on an organ donation list until an appropriate organ from a deceased donor is made available. Almost all organs and tissues can be used from deceased donors – eyes, heart valves, skin and bones to kidneys, livers, lungs, arteries, veins and nerves. However, these need to be removed at the earliest on confirmation of patient being brain dead, while artificial circulation is being maintained.

  • Organ Donation: How Insurance Helps

    by icicilombard 002 | Oct 27, 2023

    Breaking the cost barrier in organ donation

    Organ donation is the transplant of a biological tissue or organ from one individual, called the donor, to another, the recipient, who is in need of a transplant. The common organs that can be donated include heart, kidneys, liver, intestine, lungs, pancreas, cornea, skin and bone marrow. Donated organs come from living or deceased donors.
    In India, nearly 5,00,000 people die every year due to unavailability of donors. Thousands suffer from heart or liver diseases or await a kidney or cornea transplant. While the number of organ donations has increased significantly, there is still a considerable mile to cover to narrow the gap between donors and individuals in need, which could be aided by various health insurance plans.

    Challenges in organ donation
    Some of the common challenges that need to be addressed to increase organ donation are:

    1) Availability of matching donor
    Compatibility between donor and recipient is an important aspect in organ donation. Matching blood and antigen type of donor and recipient is essential to prevent rejection by the recipient's body. Therefore, determining compatibility is the first step in the process of donation. Failure to get the right donor has resulted in delayed or no transplant in several cases.

    2) Society's perception
    The deep influence of religion and culture in all spheres of society create restrictions on organ donation. The concept of giving a part of one's body or that of a loved one is yet to gain wide acceptance.

    3) Cost
    Organ donations are highly expensive and can cost anywhere between 1 lakh and 20 lakh plus, based on the organ involved. This acts a barrier for individuals to opt for transplant.

    How insurance helps
    It is a little known fact that organ donation is covered under most health insurance covers, offering financial relief to those who have to undergo one. Most general insurance companies offering health insurance cover transplant surgeries under the regular policy. The medical expenses incurred by the donor are also reimbursed up to a certain amount.

    What is covered
    It is essential to understand the finer details of the scope of coverage to make the best use of your health insurance cover. Since organ donation involves two parties, the donor and the recipient, the financial aspect needs to be considered from the perspective of both parties.,
    An insured recipient gets cover for all the transplant-related expenses, from pre-hospitalization to post-surgery treatment and hospital visits. The treatment expenses are completely paid for, up to the sum insured. This is a boon, especially since treatment and medication might be required even after the surgery until the recipient's body has accepted the foreign part.
    For an insured donor, expenses for storage of organ and surgery for removal of organ are covered under the health insurance policy. However, unlike an insured recipient, there are certain restrictions on the amount of cover for donors, and this differs based on the insurance provider.

    Exclusions
    The donor's health insurance policy does not cover the hospitalization expenses of the donor for the transplant. In addition, expenses for donor screening, post-surgical complications, medication or treatment post-surgery are excluded under the cover. In such cases, these expenses might have to be borne by the recipient.
    It is important to know the sub-limits or admissible expenses covered for the insured recipient to be able to meet these additional costs. To ensure clarity in the finances, it is advisable to read your policy thoroughly and understand the terms and conditions. Obtaining a detailed cost break-up from the hospital or healthcare center beforehand will also help to identify the components that are included in the insurance policy.

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