Anaphylaxis is a serious allergic reaction that can come on quickly and be fatal if not treated promptly. Thankfully, several emergency anaphylaxis treatments exist, and they can help. Being prepared to act fast and get to the hospital is critical, as knowing the emergency care options makes all the difference in effectively treating this sudden and potentially fatal reaction. Recognising symptoms early and seeking immediate help gives patients the best chance of survival.

What are the treatments for anaphylaxis?

The most important and effective anaphylaxis treatment is adrenaline given by an injection or through an intravenous (IV) line. Adrenaline acts quickly to reverse the dangerous symptoms caused by the body’s severe allergic response. Other common emergency treatments include:

• Oxygen to help breathing difficulties that may develop
• IV fluids to maintain healthy blood pressure levels
• Antihistamines or steroid medications to further reduce allergic response

Upon arrival at the emergency room, these medications will be administered right away as the medical team continually monitors the patient’s breathing, heart rate, blood pressure, and oxygen levels. Most patients remain in the hospital for 2 to 12 hours, sometimes longer if symptoms are severe.

Conclusion

Anaphylaxis can progress dangerously fast, so seeking emergency medical care is vital whenever symptoms develop after exposure to an allergen. Appropriate use of adrenaline, oxygen, fluids and other medications improves outcomes. Before being discharged, patients are also given auto-injector prescriptions and referrals to allergists to help prevent and manage future reactions. Being prepared to act fast and understand the available emergency treatments makes all the difference in effectively controlling this potentially life-threatening allergic response. Having a comprehensive health insurance plan can ensure coverage for emergency care, prescribed medications like auto-injectors, and specialist consultations, reducing financial stress during such critical situations.

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

Ankylosing spondylitis is a form of arthritis that causes chronic spine inflammation resulting in pain and stiffness in the spine. Ankylosing spondylitis (AS) is a lifelong condition that inflames the sacroiliac joints located between the base of the spine and pelvis. This type of arthritis often spreads to joints between the vertebrae, and the bones that make up the spinal column and spreads up to the neck or damages joints in other parts of the body resulting in a condition known as spondylitis. Ankylosing spondylitis treatment can help the person ease pain and keep the back strong. Let’s delve into them.

Treatment of ankylosing spondylitis

Ankylosing spondylitis treatment aims to reduce joint damage, stiffness and prevent long-term complications. Treatments include:

• Doing regular physical activity can slow down the progression of the disease. The pain may worsen if the person is inactive. A little movement can help to lessen pain. So it is advisable to seek help from your doctor for safer exercises.
• The use of non-steroidal anti-inflammatory drugs (NSAIDs) like ibuprofen and naproxen can ease pain and reduce inflammation.
• The use of disease-modifying anti-rheumatic drugs (DMARDs) such as sulfasalazine and methotrexate reduce pain and joint swelling. 
• Use of biologics like tumour necrosis factor (TNF) and interleukin inhibitors (IL-17) can help control inflammation by changing the immune system.
• Another option is a Janus kinase (JAK) inhibitor, taken orally and helps to treat ankylosing spondylitis, including tofacitinib and upadacitinib.
• The use of injectable corticosteroids eases joint pain and inflammation.
• Monoclonal antibodies can also be used to treat ankylosing spondylitis if a person doesn’t respond to treatment with non-steroidal anti-inflammatory drugs (NSAIDs) and anti-tumour necrosis factor (anti-TNF). The monoclonal antibodies used are secukinumab and ixekizumab, which work by blocking the effects of a protein involved in triggering inflammation.
• A small number of people with ankylosing spondylitis may need joint replacement surgery and an artificial joint implant to treat this condition.

Conclusion

Ankylosing spondylitis is a rare type of arthritis that affects the spine and it is a lifelong condition without a cure. However, some treatments can prevent permanent injury to the spinal cord and nerves. If a person is willing to practice self-care which involves regular exercise, that can help in maintaining physical activity, which will help in speedy recovery of bones and joints. Treating ankylosing spondylitis can be expensive. Buying health insurance can ease these financial worries.

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

Have you heard about trichomoniasis? It's a sexually transmitted infection (STI) caused by the parasite trichomonas vaginalis, and it affects both men and women. Untreated trichomoniasis can lead to severe health issues, so it's important to know the symptoms of this STI in order to protect yourself and your sexual partners. In this blog, we'll examine the signs and symptoms of trichomoniasis in both men and women, as well as provide information on how you can get tested for this sometimes-symptomless condition.

What are the symptoms of trichomoniasis?

The symptoms related to trichomoniasis are similar to those that occur in the case of sexually transmitted infections (STIs), and it is sometimes challenging to diagnose the exact cause of the condition.
The symptoms of trichomoniasis in women include:

• Abnormal vaginal discharge, which is thick and yellow green in colour.
• Discharge from the vagina increases and produces an unpleasant fish-like odour.
• Feeling of soreness, swelling, and itching around the vagina and sometimes the itching in the inner thighs.
• Pain or discomfort while passing urine or at the time of sexual intercourse.

The symptoms of trichomoniasis in men include:

• Pain or discomfort while passing urine or during ejaculation.
• Feels the frequent urge to urinate even in the night.
• Unusual discharge from penis, which can be thin and white in colour.
• Feel soreness, swelling and redness around the tip of the penis or at the foreskin of the penis.

Conclusion

Trichomoniasis is an extremely common sexually transmitted infection that spreads easily among people via oral or sexual activity. A person infected with this disease isn’t always aware of their condition while it is extremely contagious. It is important to take the necessary precautions to prevent trichomoniasis by the use of internal or external condoms during sexual contact. If you think you exhibit any of the above-mentioned symptoms of trichomoniasis, it is advisable to seek medical attention and follow the healthcare provider’s directions to treat the infection. Having health insurance that covers sexually transmitted infection treatments can help manage the costs of diagnosis, consultation, and prescribed medications, ensuring timely and affordable care.

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

Colitis is inflammation in the colon, which is the main part of the large intestine and is the last part of the digestive system through which the food gets passed. Inflammation in the colon can cause pain, diarrhoea with blood, cramping, and a frequent urge to urinate throughout the night and can further lead to life-threatening complications. Some of the infections related to colitis are short-lived and easy to treat, like in the case of bacterial infections causing food poisoning, while other types of diseases, like inflammatory bowel diseases are more chronic and need treatment as they can cause serious damage to the colon over time. In this article, we explore the main causes of colitis.

What are the causes of colitis?

The exact cause of colitis is not clear, but researchers think that multiple factors are responsible for the cause of colitis, which include the following:

• Bacterial infection: Infections by bacteria like salmonella species and E. coli can lead to colitis. 
• Ulcerative colitis: This is a severe type of inflammatory bowel disease (IBD) that sparks inflammation and the formation of sores in the digestive tract and is one of the main causes of colitis. This disorder predominantly targets the colon and rectum, causing discomfort and pain, with symptoms typically progressing gradually rather than appearing suddenly.
• There are some other groups of conditions that cause chronic inflammation in the colon of the large intestine, which include microscopic colitis and crohn’s disease. These are autoimmune diseases in which the immune system malfunctions and attacks their tissues.
• Ischemic colitis is a condition which occurs when there is a lack of blood flow due to blockage in the intestine; a condition known as intestinal ischemic syndrome.
• Radiation colitis, which occurs as a side effect of radiation therapy. 
• Necrotising enterocolitis in newborns. 
• Pseudomembranous colitis is a condition caused by Clostridium difficile. 

Conclusion

Living with colitis can be difficult, but it is also manageable. Taking proactive steps towards creating a healthy lifestyle through nutrition, exercise, stress management and an open line of communication with medical providers can help keep colitis under control. Furthermore, understanding the various types and causes of colitis helps to identify effective treatment strategies. Ultimately, remaining mindful of how your activities affect your physical health is key to managing this chronic disorder. Having a comprehensive health insurance plan can provide financial support for consultations, medications, and treatments, ensuring you can manage colitis effectively without added financial strain.

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. 

Skin cancer impacts millions of people worldwide. Skin cancer refers to a disease when skin cells grow abnormally in the skin tissue. When the body cannot repair the damage to the DHA of the cells, the cells tend to grow abnormally and out of control. Your genetics and skin type are also responsible for causing damage to the cells.

Extended sun exposure causes most skin cancer cases, but this does not exclude the possibility of it occurring on unexposed skin areas.

Experts classify skin cancer into three main types:

• Basal cell carcinoma
• Squamous cell carcinoma
• Melanoma

Within this blog, we aim to explore the causes of skin cancer.

How is skin cancer caused?

• Fair skin - People with fair skin, light hair and light-coloured eyes are more prone to skin cancer than people with darker skin. This is because these people have less melanin, a pigment that protects the skin from damaging ultraviolet rays of the sun. So, having fair skin is one of the significant causes of skin cancer.
• History of sunburns - Research indicates that 95% of melanoma cases, the most lethal form of skin cancer, can be associated with sun exposure and UV rays. It is not necessary that if you do not feel the burning sensation while you are out in the sun, you are safe. Consistent exposure to UV rays over the years can cause harm to the skin cells and raise the probability of developing skin cancer. Therefore, covering yourself adequately when going out in the sun is advisable.
• Moles - If you have many larger moles that do not look like regular ones, your chances of developing skin cancer increase. Moreover, if you see some change in the structure of your moles, then consult a doctor, as these tend to turn into cancerous moles, paving the way for developing skin cancer.
• Climatic changes - Climatic conditions affect the condition of the skin. If you reside in hot and humid climates with increased sun exposure, you are more susceptible to developing skin cancer than individuals in colder and darker climatic regions.
• Genetic predisposition to skin cancer - A family history of skin cancer can also increase the likelihood of developing the condition. If anyone in your family, including your parents, siblings, grandparents, and so on, has a history of skin cancer, your risk of developing the disease increases automatically. Moreover, if you have been treated for skin cancer once, you risk developing it again.
• Weak immune system - Researchers have linked skin cancer to a weakened immune system. People living with HIV/AIDS have immune systems that are more vulnerable in comparison to people who are healthy and are more prone to the disease. Moreover, people who undergo organ transplants and use immunosuppressants are at a heightened risk of developing skin cancer.
• Having been exposed to radiation - People who have received radiation therapy for being treated with other types of cancer and skin conditions like eczema and acne have higher chances of suffering from skin cancer, particularly basal cell carcinoma. So, receiving radiation therapy is one of the major causes of skin cancer.
• Precancerous skin lesions - Actinic keratoses are called skin lesions and can put you at an increased risk of developing skin cancer. They are usually rough, scaly patches that are brown and pink. Exposure to the sun often causes people with fair skin texture to develop these on their face, head or hands. Additionally, experts believe they increase the likelihood of developing skin cancer.

Conclusion

Skin cancer is a life-threatening illness; individuals with fairer skin are more susceptible. In this blog, we have covered the various causes of skin cancer. Regularly checking for changes in skin texture is essential if you notice any. Even when detected and treated in its early stages, there remains an increased risk of skin cancer recurrence. Accurate knowledge about the disease and regular checkups are the only way out. Having a reliable health insurance plan can help cover the costs of regular skin examinations, diagnostic tests, and treatments, providing financial security and peace of mind as you prioritize your health.

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. 

Fallopian tube cancer is a rare and relatively understudied form of cancer originating in the fallopian tubes, the small, slender structures connecting a woman’s ovaries to her uterus. Despite its rarity, understanding the potential causes and risk factors associated with fallopian tube cancer is crucial for early detection and effective management. In this blog, we will delve into the suspected causes of fallopian tube cancer and the factors that may elevate an individual’s susceptibility to this uncommon but significant health concern.

How is fallopian tube cancer caused? 

The precise fallopian tube pain reason remains a medical mystery. However, researchers have identified several factors and risk factors that may contribute to its development:

• Reproductive history

Women who have never given birth or breastfed a child may face an elevated risk of fallopian tube cancer. Hypotheses suggest that hormonal changes and physiological processes associated with pregnancy and breastfeeding may have a protective effect.

• Contraception

Not using birth control pills has also been linked to an increased risk of fallopian tube cancer. The hormonal regulation provided by some contraceptives may play a role in reducing cancer risk.

• Family history

A family history of breast cancer can heighten an individual’s susceptibility to fallopian tube cancer. Additionally, specific genes like BRCA1 and BRCA2 can inherit mutations. They are known to increase the risk of breast and ovarian cancer. Hence, they may also elevate the risk of fallopian tube cancer.

• Age

While fallopian tube cancer can potentially develop at any age, doctors most commonly diagnose it in women in their 50s or 60s. The reasons for this age predilection remain unclear.

• Infections

Some medical theories posit that long-lasting infections within the reproductive tract might trigger this rare cancer. However, as of now, there is no definitive evidence to substantiate this hypothesis.

Conclusion

While shrouded in mystery regarding its exact causes, fallopian tube cancer underscores the importance of awareness and vigilance in women’s health. Suspected risk factors, such as reproductive history, contraception use, family cancer history, age and genetic mutations, provide essential insights into potential vulnerabilities. Regular medical check-ups and discussions with healthcare providers are invaluable in early detection and intervention, ensuring the best possible outcomes for individuals at risk of this rare yet treatable cancer. Education and proactive healthcare practices are our most potent weapons against the challenges of fallopian tube cancer. Having a comprehensive health insurance plan can help cover the costs of regular screenings, genetic testing, and advanced treatments, making timely and effective care more accessible and affordable.

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. 

Thymus cancer or thymoma is a rare health condition related to the respiratory system. Thymoma and thymic carcinoma may occur in the thymus gland, which is present in the chest, behind the breastbone and between the lungs. The thymus gland generates white blood cells and contributes to the body’s defence against infections. Anyone can get this health condition, but no specific inherited, lifestyle or environmental risk factors are associated with this cancer. There are various causes of thymus cancer, so we have mentioned some of the most common causes of thymus cancer in this blog.

How is thymus cancer caused?

Studies suggest a potential link between thymus cancer and exposure to radiation to the upper part of the chest, but there is no significant proof of this cause. However, some of the common causes of thymoma cancer may include:

• Age is a significant factor which can lead to thymus cancer. With the growing age, one can increase the risk of this cancer, primarily seen in middle-aged adults and those in their early or mid-70s. However, thymus cancer is rare in toddlers, adolescents or young adults.
• Ethnicity is also one of the common thymoma cancer causes. According to research in the US, this cancer is common in pacific islanders and asian americans are uncommon in latino and white people. Moreover, thymus cancer is more common in african americans than white people.

Conclusion

Thymus gland cancer is a complex health condition that needs quick diagnosis for the best possible treatment. Older age, ethnicity, race, and, in some cases, specific autoimmune diseases most commonly cause thymus cancer. However, it would be best to understand the causes and possible risk factors for thymus cancer so you can avoid undesirable situations and live a happy and healthy life. Having a reliable health insurance plan can help cover the costs of early screenings, medical consultations, and necessary treatments, ensuring timely and effective care while reducing financial stress.

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. 

Pregnancy is an extraordinary time in a woman's life when every decision she makes becomes a critical factor for the child's health and development. Along with many other factors, diet is the most significant one. Desires for tempting dishes are usual at this time, but abiding by guidelines of a proper diet is important. It is crucial to know how different vegetables affect your pregnancy and avoiding them can keep your pregnancy healthy. Pregnant women may take good care of themselves and their unborn child. Making careful choices such as identifying vegetables to avoid during pregnancy is a critical step.

List of vegetables to avoid during Pregnancy

Following is the list of vegetables to avoid during pregnancy:

1. Raw or undercooked greens and sprouts

• Eating raw sprouts and greens, even washed well, is not recommended during pregnancy. This is because bacteria may be present in them and the possibility of food poisoning is then raised.

2. Mung beans

• The stomach may get irritated and the hormone balance can be disturbed due to Saponins and phytoestrogens present in mung beans.

3. Clover

• A pregnant woman may be in danger due to oxalate found in dietary beans. It acts like Oestrogen and may disturb the hormone balance. The abundance of oxalate in the body makes kidney stones more prevalent.

4. Alfalfa

• Alfalfa seeds often contain bacteria such as E. coli and these may cause miscarriages.

5. Uncooked radishes

• Pathogens present in raw radishes can cause food poisoning.

6. Vegetables with high Mercury

• High mercury content in foods like spinach, sweet potatoes, and carrots may adversely affect the health of the mother and the unborn child. The metal adversely affects the foetus’ nervous system development.

7. High-nitrate vegetables:

• Nitrate-rich foods including beets, celery, and lettuce may cause the onset of methemoglobinemia in pregnant ladies.

8. Hard-to-digest vegetables

• Broccoli and Cabbage may cause some discomfort like gas or bloating. Pregnant women may feel worse.

Conclusion

During pregnancy, any decision made by a woman affects greatly the health of her unborn child. Dietary choices occupy the primary place when adjusting the lifestyle. One of the most important things an expecting woman should be aware of is what kind of vegetables she should eat and what kind of vegetables not to eat during pregnancy. This means being aware of certain vegetables that can potentially pose some health risks. Pregnant women need to stay careful when choosing meals and snacks. Knowing the healthy diets to follow will help a pregnant woman preserve the baby's as well as her well-being throughout the pregnancy period. During pregnancy, having adequate health insurance is equally important as it ensures access to regular prenatal care, necessary medical tests, and support for any unexpected complications, safeguarding both the mother’s and the baby’s health.

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. 

Not only you, but even your eyes can go lazy. In addition to having poor vision, lazy eye, called amblyopia in medical terminology, can cause somewhat reduced contrast and colour vision compared to normal vision. If there is an imbalance between the visual inputs from either of the eyes, then the eye having poor stimulation becomes the lazy eye. It happens mainly because eye-to-brain connections have not developed properly. Therefore, immediate amblyopia treatment becomes pertinent.

Treatment of amblyopia

In India, 5-12% of children suffer from lazy eyes. It is the leading cause of visual impairment in school-going kids. The condition may develop in childhood and continue until your child turns seven. Amblyopia treatment should begin immediately after diagnosis to prevent escalation. Here are some of the treatment options for curing amblyopia.

• Patching exercise

The doctor recommends putting a patch on the better-seeing eye. Doing so forces the brain to use the poor eye. You may consider it a situation where your child's eye is lifting weights to build better muscles. The amount of time required for exercise every day might range from two to six hours, depending on the severity of the condition.

• Corrective eyeglasses

Wearing glasses is crucial to correcting refractive errors, which is one of the prime causes of amblyopia. Refractive errors happen when the shape of the eye is such that it makes vision blurry.

• Atropine treatment

The atropine eye drop helps diagnose squint eyes and blurred vision in the eyes. The drop relaxes the eye muscles, which are responsible for enlarging pupils. The drop makes the stronger eye blur, forcing the weaker eye to work.

• Eye exercises at home

Activities that help with amblyopia treatment include colouring within the lines in a colouring book, jigsaw puzzles, reading with a patch over the good eye, and using barrel convergence cards. Pencil pushup treatment (PPT) involves focusing both eyes on the pencil tip and bringing it as close to the nose as possible until the vision becomes blurry. The brock string exercise is also an effective amblyopia treatment. In this exercise, you are supposed to look at a single target, which can be either a bead or a point on the string. While doing so, the right and left eyes should focus on the same point in space. This exercise teaches teamwork to the eyes.

• Surgical treatment

Surgery is required only in extreme circumstances when your child either has cataract or ptosis. The aim is to loosen or tighten the eye muscles to fix the alignment. Surgery is also necessary in the case of strabismus. Strabismus, or crossed eyes, occurs when both eyes concentrate differently.

• Ayurvedic treatment

Ayurvedic treatment involves various therapies and medications. An herbal concoction is poured continuously over the eyes in Netradhara treatment to correct visual defects. Medicated ghee is used in Netra Tharpanam to strengthen the muscles of the eyes. Oral medication includes Haridra, Shatavari, Triphala, Brahmi, and Jyotishmati.

Conclusion

Amblyopia, if not treated timely, may result in permanent visual impairment. Early diagnosis and requisite amblyopia treatment can save your child from lifetime suffering. Amblyopia treatment may last anywhere from six months to two years. Health insurance is a saviour in case of unforeseen mishaps. Make sure you have one.

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.

You don't have to be an athlete to have an athlete's foot. Athlete's foot, also known as Tinea pedis, is a fungal infection that affects your feet and makes the skin between your toes itchy, often accompanied by stingy rashes. You must have witnessed whitish, soggy skin near your toes or flaky soles. That's what characterizes an athlete's foot. Global estimates indicate that 15–25% of people suffer from athlete's foot. But almost every disease has a cure. Here are some options for athlete’s foot treatment.

Treatment of athlete's foot

Dermatophytes cause athlete's foot. It is a group of fungi that targets the keratinous tissue in our body. This particular tissue is abundant in our skin, nails, and hair, making it an easy target for the dermatophytes to attack. Research in medical science shows that men are at higher risk of contracting this disease. But what if you have already acquired an athlete's foot? Here are the ways you can cure an athlete's foot:

• Home remedies

Home remedies are an excellent way to treat the condition if it impacts you mildly. A randomised study conducted in 2002 indicated that tea tree oil works wonders in treating fungal infections if applied twice daily. Neem oil also has anti-fungal properties. Ajoene, a compound found in garlic, provides an effective athlete’s foot treatment. A study has also shown that Vicks VapoRub can help fight fungi as it contains eucalyptus oil and menthol. Soaking feet in a solution of vinegar and water can also be helpful.

• Maintain good personal hygiene

Keep your feet dry. Change your socks frequently. Avoid walking barefoot in public showers. Let your feet dry in the fresh air.

• Over-the-counter (OTC) topical medication

Antifungal medications include miconazole, clotrimazole, and butenafine. Magenta or Castellani paint helps reduce inflammation. Applying prophylactic tolnaftate powder after showers helps decrease the severity of an athlete's foot. Topical treatment generally gives results within a month. If the condition still persists, you may need to see a doctor.

• Oral medication

If topical medication does not provide relief, you may need oral medication. It is advisable to take Terbinafine, Fluconazole, Itraconazole, and Griseofulvin under a doctor's supervision. Potential side effects of these medicines include gastrointestinal problems.

Conclusion

Athlete's foot is not life-threatening, but it is highly contagious. Though athlete’s foot treatment provides relief, in cases of recurring problems, the emphasis must be on personal hygiene. If not taken care of, an athlete's foot may escalate into grievous diseases such as Impetigo, Cellulitis, Lymphangitis, and Dermatitis. In case of mishaps, health insurance always comes in handy. Ensure that you have access to one.

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.

Severe depression is not just about feeling down – it is a persistent and intense form of depression that can dramatically affect one's ability to function. It is all too easy to miss the warning signs of severe depression, especially when life gets hectic. However, we can help our loved ones or ourselves identify these warning signs early if we pause and pay attention. If you are wondering what to look out for, you have come to the right place. Let’s discuss the warning signs of deep depression, as recognising them is the first step to seeking medical help.

Symptoms of severe depression

Severe depression is a profound and impactful condition that requires compassion, support, and professional care. Noticing these signs in yourself or someone else is the first step toward turning things around.  Warning signs of severe depression should be addressed on time and dealt with care.

The initial symptom is persistent sadness or a low mood. This is not about feeling off for a day or two, it is like being enveloped in a fog of gloominess that you can't shake off. Then there is the loss of interest or pleasure in activities. Remember how you used to look forward to your weekly game night or binging that one TV show? When severe depression steps in, the joy from those activities just evaporates. It is not that you don't want to have fun — it is that you can't feel the fun anymore, everything just turns bland.

Significant weight changes are also a telltale sign. This could swing either way — you might lose your appetite and shed pounds without trying, or eating more and gaining weight unexpectedly. It is like your body’s way of reacting is off balance.

Sleep issues are incredibly common too. Maybe you are up until the early hours staring at the ceiling, or sleeping much more than usual but still feeling exhausted. It is as if your body can’t decide whether it is too tired to stay awake or too anxious to sleep.

Speaking of exhaustion, fatigue or loss of energy can hit hard. Simple tasks like making a cup of tea or sending an email can feel like running a marathon. It is a bone-deep tiredness that doesn’t go away no matter how much you rest.

Emotions can get heavy too, with feelings of worthlessness or guilt taking the front seat, often for things that aren’t your fault. It is like you are carrying an invisible, heavy load that just keeps piling on more weight.

Difficulty in thinking or concentrating can make everyday decisions, following conversations, or even indulging in a favourite hobby incredibly hard. It is like your brain is foggy and the thoughts that used to flow so easily are now stuck behind a thick glass wall.

Most critically, thoughts of death or suicide are the most alarming signs of severe depression. It is a glaring sign that immediate help is needed if thoughts of harming yourself or thoughts about not wanting to exist anymore creep in. In such cases, having health insurance that covers mental health services can provide access to therapy, counseling, or hospitalization, ensuring that necessary treatment is within reach.

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

A balanced creatinine level in the blood is essential for the proper functioning of the kidneys. Getting blood samples checked regularly and learning how to decrease creatinine levels in the blood can be helpful practices. Changing the diet plan and increasing hydration are simple ways to keep the kidneys in great shape and working order.

Ways to lower creatinine levels

Creatinine is a waste product produced by the normal breakdown of muscle tissue. The kidneys filter the tissue out of the blood and it gets excreted in urine. Those with a high-protein diet in their everyday food should look for ways how to lessen creatinine levels. Medication and heavy exercise can also cause a spike in the creatinine level. A high creatinine level is a sign of kidney malfunction, which can stem from various other health conditions. They include diabetes, tumour, HIV, Hepatitis C, Syphilis, etc. Creatinine can be maintained at the desired levels through several ways that we will discuss subsequently. 

It is important to know the creatinine level in one’s blood, which can be determined with the help of a healthcare professional. The doctor will be able to ascertain the reason for a rise in the creatinine level, if any. Furthermore, the question, 'How to lessen creatinine level?' – has some natural solutions. 

Some food supplements help raise creatinine levels and should be avoided as much as possible. This applies to individuals who are health freaks and take health supplements to increase muscle mass.

• Many kinds of food are naturally high in creatinine content. One such food is red meat, and it must be avoided by people with kidney disease as it aggravates the condition.
• Red meat and a few fish varieties should be avoided and replaced by vegetables and plant-based proteins such as soy and beans.
• Increasing fibre-rich food intake is great for lowering creatinine levels. Such foods include whole grain products, seasonal fruits, and vegetables. Whole grains such as wheat, rice, and grams are good for your health and perfectly answer the question, 'Creatinine level…how to reduce'.
• Individuals with dehydration can have high levels of creatinine in their blood. Hence, keeping the body flushed with liquids is a great idea.
• Drinking adequate amounts of water, including herbal tea, helps in hydration.
• Chitosan, a natural and biocompatible polysaccharide used in many weight loss supplements, can be helpful for those who keep asking, 'How to lessen creatinine level?' Some research on chitosan and creatinine levels has shown positive results. 
• Individuals with high fluid retention levels use diuretics to flush the extra fluid. However, the prolonged use of diuretics may not be good for the kidneys. Those with certain kidney problems have been found to have raised creatinine levels from the regular use of diuretics.
• Salt consumption is another issue that needs to be considered while working on the level of creatinine–how to reduce it. Packaged foods contain a high level of salt. Therefore, consumption of packaged food must be strictly regulated.
• Many people use pain-relieving drugs without the consent of the doctor. Such practices must be abandoned as painkillers have adverse effects on the functioning of the kidneys. 
• Engage in moderate exercise, as it can help maintain overall health and support kidney function. Avoid excessive exercise, which can temporarily increase creatinine levels.

Conclusion

The creatinine level in the blood is an important health parameter determining whether the kidneys are working in the right order. Kidney disease, though not always fatal, is a serious ailment. It can lead to complications that can be extremely costly to treat in a hospital setup. A rise in creatinine levels should not be taken lightly. A wise move would be to procure health insurance that would take care of the costs involved in tests, the duration of hospitalisation, and even the post-hospitalisation period. Besides taking care of the finances, health insurance also enables the patient to recuperate without being burdened by tension regarding costs, which is so vital for the recovery process.

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.

A family health insurance deductible is a predetermined fixed amount that the policyholder or a family should pay during claim settlement for the coinsurance to start covering every family member. Every member of the household has a separate deductible, and the family also has a deductible. The family deductible is the sum of all individual deductibles.

The insurer will not pay for the other family members' covered services until the family deductible or the individual deductible is satisfied. When the total cost of all family members' covered services equals the family deductible level, the family deductible is satisfied.

What is not included in the family deductible?

Several expenses are not covered under your health insurance, so they will not count toward your deductible even though you pay for them from your pocket. After understanding how does family deductible work, it's essential to understand services that are not included in the family deductible.

1) Cosmetic surgeries

Any cosmetic surgery undertaken that does not promote proper bodily function or is not medically necessary to prevent or treat illness or diseases is not covered by insurance.

2) Copays

The money paid for copays is generally not counted towards the deductible. However, it is counted toward your out-of-pocket maximum for the year.

3) Household help

Even if medically recommended, household help is not covered by health insurance. However, a few expenses paid to an in-home nurse or caretaker may count toward the deductible.

4) Health and sports club fees

Any payment made for using health and sports clubs is not covered by insurance unless it is medically recommended.

5) Natural medicines

Health supplements, such as nutritional or herbal supplements, vitamins, and minerals tablets, are not covered by insurance unless they are medically recommended in writing for the treatment of a specific medical condition.

6) Out-of-network-providers

If a policyholder uses an out-of-network medical provider in a non-emergency situation, the cost is generally not counted towards the health insurance plan’s regular deductible.

However, if your plan covers out-of-network care, it will have a separate deductible for out-of-network services, which are generally higher than the plan’s regular in-network deductible.

7) Non-prescription medicines

Medication not prescribed in writing by healthcare providers is not covered by insurance.

Conclusion

The extent of health insurance coverage and its deductible vary by plan. You should consult your insurance provider about what is covered and what is not under your family deductible. A family health insurance deductible will undoubtedly help keep the overall cost more manageable, especially if you have a large family.

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.

Low-income individuals, at times, cannot afford medical care, particularly those involving highly specialised treatments. The situation for those living below the poverty line (BPL) in India is further complicated by the high cost of medical bills that they must pay as a result. To address the financial demands of the underprivileged and address their need for medical treatment, the government has introduced several health insurance schemes. These schemes are designed to give those who may otherwise find it difficult to get timely, high-quality healthcare access a lifeline by delivering comprehensive, reasonably priced medical coverage. Let us explore the health insurance for below-poverty-line schemes created to promote the well-being of the underprivileged.

Health insurance plans for people below the poverty line

Following are the major below-poverty-level health insurance schemes —

With the goal of the universal health coverage (UHC) project in mind, the government introduced the Ayushman Bharat Yojana based on the National Health Policy's guidelines. The Pradhan Mantri Jan Arogya Yojana (PMJAY) is a healthcare plan that targets the underprivileged and marginalised segments of society. The plan, which has an annual fee of INR 30, provides coverage of up to INR 5 lakh per family each year. Additionally, coverage for pre-existing conditions begins from day one.

Individuals below the poverty line, particularly those employed in the unorganised sector, are the main target of the Rashtriya Swasthya Bima Yojana (RSBY). Up to INR 30,000 in annual coverage is provided under this initiative for workers and their families. Pre-existing conditions are covered from day one for policyholders, who can also take advantage of cashless hospitalisation. The central government contributes 75% of the yearly premium rate, while the state government pays the remaining 25%; those eligible for this scheme pay an annual renewal or registration charge of INR 30. The respective State Governments are responsible for covering the cost of the smart card as well as any associated program administration costs.

Employers in non-seasonal enterprises with ten or more employees are covered by the Employment State Insurance Scheme (ESIS). In addition to financial benefits for illness or disability, it covers hospitalisation costs for the employee and any dependents. Family members get benefits, including a monthly pension, in the tragic event that an employee passes away from accidents linked to their job.

To give farmers and those living in poverty access to healthcare, the maharashtra government launched the Mahatma Jyotiba Phule Jan Arogya Yojana. It pays for hospital stays related to medical and surgical treatments falling within 34 specialities. It has a floater sum insured of INR 1,50,000 per family, which can be increased to INR 2,50,000 per family in the event of a kidney transplant. There is no waiting period associated with this health insurance scheme. Furthermore, the Maharashtra government bears the whole cost of the premium for this policy.

For migrant workers employed in the State, the Kerala government implemented the Awaz Health Insurance Scheme. Hospitalisation coverage against accidental death and disability is offered. This scheme is open to anybody between the ages of 18 and 60. Up to INR 15,000 in hospitalisation costs, INR 1 lakh in accidental permanent disability, and INR 2 lakh in accidental death are covered.

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

Some people use the term high-functioning depression as a form of persistent depressive disorder (PPD); however, high depression symptoms are different and are neither a diagnosis nor a clinical disorder, and many mental healthcare professionals also disagree with the use of such a term. People with high depressive disorder can lead a normal life. They can balance their relationships and work with it because no certain diagnostic signs and symptoms are involved with this condition. People with persistent depressive disorder experience lengthy instances of depression with periods of normal mood for a minimum of 2 years. It is important to study the different forms of depression by ascertaining its signs and symptoms to treat the condition at the earliest.

Symptoms and Diagnosis of High-Functioning Depression

Many studies on depression have reported that high-functioning depression is not a disorder, and there are no objective clinical symptoms for this term. However, many people confuse high-functioning depression symptoms with PPD, which involves low-grade symptoms related to depression that persist for at least two years. A person with PPD may experience low mood as well as two of the symptoms listed below.

• Changes in appetite

Our digestive systems and brains are strongly connected, so when you feel depressed or deal with the physical side effects of depression, it can lead to loss of appetite, indigestion, diarrhoea, constipation, nausea, etc. 

• Oversleeping or insomnia

People dealing with depression may face sleep problems, including insomnia or sleeping too much, as it can affect the body as well as the mind due to changes in neurotransmitters and brain functions.

• Extreme fatigue

Lack of energy and fatigue may be linked to dysfunction in the release of neurotransmitters from the brain affecting norepinephrine or dopamine levels in the blood, which result from a person taking antidepressant medications like tricyclic antidepressants, selective serotonin reuptake inhibitors, and serotonin-norepinephrine reuptake inhibitors. It is always advisable to talk to your healthcare provider to make changes in your drug regime.

• Low self-esteem

People living with depression may experience a lack of self-confidence and may find difficulty in communicating with people due to changes in brain activity.

• Difficulty concentrating and making decisions

Depression can cause difficulty in concentrating on important tasks, and a person may feel confused most of the time in making decisions on their own.

If a person has high depressive symptoms, he/she should see a doctor, protect oneself from the immediate danger of self-harm, and contact an available emergency helpline dealing with depressive disorder patients. It is wise to buy a health insurance policy to cover the essential costs to meet the expenses for frequent health check-ups while coping with this condition.

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

You must have come across the terms — individual and family deductibles. A deductible is the amount you must pay before your insurer begins to cover your health care costs. Once you meet your deductible, your plan will help you pay for your medical bills. This is known as coinsurance. Before selecting your health insurance plan, you must understand the difference between these two terms, as it will help you make a well-informed decision.

What is the difference between individual and family deductible?

The core difference between individual and family deductibles is that the former provides coverage for an individual, where one person is required to pay the amount for coinsurance to kick in. A family floater plan covers all members of the household, and everyone shares the sum insured. Hence, a family deductible is the maximum amount you must pay before the insurance coverage begins. Also, remember that when it comes to individual vs family deductibles, family deductibles are higher than individual deductibles, as a family floater plan offers coverage for more than one person or multiple people.

Age is a determinant in your health insurance plan’s premiums. An individual healthcare policy premium is determined by looking at the age of the single person (i.e., the policyholder) as well as other parameters. Premiums for family floaters are determined by looking at the age of the oldest family member and other factors. A plan with a low premium and a high deductible could mean higher out-of-pocket expenses; conversely, a policy with a lower deductible will have lower out-of-pocket expenses but higher premiums.

Before choosing the policy, always keep your objective of buying a health insurance policy in mind in terms of inclusions, scope of coverage, premium costs, payouts, and your needs and pocket.

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

Bipolar disorder, also referred to as manic depression, is a psychiatric condition characterised by intense mood fluctuations from highs (mania or hypomania) to lows (depression). These mood swings encompass periods of elevated mood states as well as episodes of deep depression. When we say highs, we are talking about periods where people feel overly happy, energetic, or irritable. Then, there are the lows where the same person might feel sad or hopeless and lose interest in most daily activities.

Understanding the symptoms of bipolar disorder isn't always straightforward, but we must stay informed. We will also see whether health insurance covers such ailments. So, let us demystify it.

What are the symptoms of bipolar disorder?

Recognising the bipolar symptoms as part of a broader pattern can prompt individuals or their loved ones to seek professional help.

Manic episodes in people with bipolar I disorder can be so intense that a single episode can last for at least seven days. It usually takes at least two weeks for a depressive episode to pass. Mania is characterised by a lot of symptoms — like being elated or irritated, having a lot of energy, not needing to sleep, having thoughts that race, speaking quickly and under pressure, being overconfident, and doing hazardous things like spending too much money or putting your business in jeopardy. When someone is depressed, they may feel sad or hopeless for an extended period, sluggish, uninterested in their typical activities, worthless, and have suicidal thoughts or ideas about dying. 

Symptoms of bipolar II disorder include at least a single episode of hypomania lasting four days; a person may experience at least three symptoms of hypomania, like an abnormal increase in energy and activity levels, as well as feelings of joy, impatience, or both. In addition to these symptoms, they may exhibit an inflated sense of self-worth, less sleep requirement, increased talkativeness, and distractibility. These incidents are obvious to those around you, but they won't get in the way of your social or professional life. A person can also experience an episode of major depression lasting two weeks, showing five or more symptoms. One may show symptoms of psychosis, but only in the case of depression.

A person with cyclothymia or cyclomic disorder experiences hypomanic and depressed episodes multiple times over the course of at least two years. While not quite hypomanic or depressive, these symptoms are severe enough to impair functioning to warrant further evaluation. It is possible for people with cyclothymia to have stable moods for brief periods, but these are often shorter than two months. This milder type of bipolar illness is characterised by sporadic mood swings.

Wrapping up

Individuals diagnosed with bipolar disorder can also experience symptoms not related to any other mental/medical health issue or any form of substance abuse. Weight swings, disturbed sleep habits, and problems with focus and memory are just some of the cognitive and physical changes brought on by bipolar illness. A person's professional and personal lives can become even more complicated as a result of this.

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

Health insurance providers offer several plans these days. If you have heard about indemnity healthcare plans and are thinking about what they are, here, we will answer the question, “What is an indemnity health insurance plan?”

An indemnity health insurance plan is a form of coverage that is not only flexible but also provides the policyholder with autonomy in decisions relating to healthcare. You have the option of purchasing indemnity health insurance as an individual cover or as a family floater plan.

Unlike other policies, an indemnity health insurance plan allows the policyholder to select the hospital as well as the doctor of his/her choice. However, these plans require more out-of-pocket expenses on the part of the policyholder.    

Importance of choosing indemnity health insurance

An indemnity health insurance plan offers several benefits.

Medical costs have gone up to 8-10% annually. Treatment options that require surgery cost around lakhs of rupees. If you have purchased an indemnity health insurance plan, then the same would be taken care of, and you will not be required to pay from your pocket, leaving aside the deductibles and expenses not covered under the policy. 

These policies provide you with the option to choose the hospital of your choice. Moreover, they provide the benefit of a cashless facility, so you don’t have to pay hefty medical bills upfront.  

The insurance provider will pay the entire medical bill on your behalf up to the sum insured. These types of policies not only cover pre- and post-hospitalisation charges but also other expenses related to surgery, ICU-related expenditures, daycare treatment, doctor’s fees, ambulance charges, and diagnostic tests. Indemnity health insurance plans also cover expenses related to the treatment of COVID-19 infections.  

An indemnity health insurance plan is a low-cost plan. The majority of health insurance plans are offered with a deductible, which is the amount the policyholder must pay from his/her pocket. If you opt for a higher deductible, the premium of your health insurance plan is reduced. As you are ready to pay from your pocket, the insurer’s risk decreases, and you get an option to enjoy a low-cost indemnity health insurance plan.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. 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.

A panic attack is a quick episode where one expresses too much fear, triggered by extreme physical reactions. It happens without any apparent cause or real danger and can be terrifying. People who experience panic attacks for the first time may think that they're losing control. Some may even believe that they're experiencing a heart attack or about to die.

Many people experience panic attacks during stressful situations. The episodes present without warning but last for a short time. However, some people have incidents that happen in a row, making the attack last much longer. 

If you've had sudden, recurrent panic attacks and spent most of your days in constant fear of a repetitive attack, you're likely to have a condition known as panic disorder. This is a form of anxiety disorder characterised by multiple unpredicted panic attacks. It happens with no warning and without a specific trigger. However, not everyone who encounters a panic attack will develop panic disorder.

What are the symptoms of a panic attack?

Panic attacks strike at any time without warning. They can occur when at work, when driving a car, while at the shopping centre, or even when deep asleep. The attacks may happen occasionally or frequently. The symptoms can vary, starting suddenly and peaking within minutes.

The notable symptoms of a panic attack may include any of the following:

• Sense of impending doom or danger
• Fear of death
• Rapid heart rate
• Hot flushes
• Sweating
• Chills
• Trembling or shaking
• Chest pain or tightness
• Lack of control
• Shortness of breath 
• Chills
• Nausea
• Abdominal cramps
• Headache
• Tingling sensation or numbness at the fingers or toes
• The feeling of detachment from reality
• Dizziness or lightheadedness

After experiencing a panic attack, most people tend to have extreme fear of repeated attacks. Some may even fear having other panic attacks so much that they can avoid situations that may trigger the episodes. However, those who encounter recurrent attacks of stress, anxiety, and panic could have a panic disorder.

What causes panic attacks?

There are no specific panic attack causes. However, some factors are key players. They include:

• Extreme fear or prolonged stress
• Genetics
• Changes in the way some parts of the brain functions
• Having a personality that is more sensitive to negative emotions

Furthermore, a panic attack may initially come unexpectedly and without warning. But, over time, it can get triggered by particular situations, like fear of recurrent attacks. Research is still underway as to why panic attacks happen even when there's no apparent danger. However, it's evident that your risk of developing a panic disorder is higher if you have:

• Mental health conditions like depression and other anxiety disorders
• Adverse childhood experiences (ACEs)
• A history of panic attacks or anxiety disorders in the family

Postpartum depression treatment

Postpartum depression usually happens after a mother delivers a baby. With such episodes, you may feel hopeless, anxious, sad, or even disconnected from your little one for weeks or months. 

The treatment for postpartum depression varies depending on an individual’s symptoms and severity. Your nurse, medical practitioner, or specialist can help you manage the condition. Treatment may include any or a combination of the following:

• Counselling sessions with a mental health counsellor
• Drugs (antidepressants or anti-anxiety medications that are safe to use while breastfeeding)
• Cognitive behavioural therapy
• Support group participation

Postpartum depression can also lead to an anxiety disorder and even panic attacks.

Note: Anytime you feel like you're encountering symptoms of postpartum depression, ensure you talk to your doctor or nurse. They will help you find the right treatment and other necessary support channels. It's also important for pregnant women to stay armed with health insurance. The cover will help cater financially for any issue that may arise pre- and post-delivery.

Conclusion

Panic attacks usually happen suddenly and for no clear reason. It varies from one person to another and can be mild, moderate, or severe. The attacks often include feelings of fear or worry, and the more you fear repetitive episodes, the higher the chances for other attacks. If you experience recurrent attacks, you may need to seek panic disorder treatment. Often, the condition may affect your quality of life significantly. However, treatment can be effective. Your treatment will depend on the symptoms and severity of your particular condition.

Panic attack treatment aims to reduce the number of episodes you experience and ease your symptoms. Hence, it would help if you didn't neglect visiting your healthcare provider. You may have to undergo tests to rule out other medical conditions that may present similar symptoms, such as thyroid disorders, respiratory issues, or heart disease. Hence, it's important to have reliable health insurance that can cater to the necessary costs.

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

People in India who are over 70 years of age or older are more prone to health issues. The financial burden associated with medical crises and age-related illnesses is significantly reduced when senior citizens have health insurance. A healthcare plan provides an essential safety net, ensuring access to timely and high-quality healthcare, especially for senior citizens who are more likely to develop chronic conditions. So, let’s explore the various Mediclaim policies for parents above 70 years available in India.

Health Insurance Plans for Individuals above 70 years in India

When purchasing health insurance coverage for someone over the age of 70, there are several alternatives available. Let us examine a few of the well-known and well-recognised categories of Mediclaim policies for parents above 70 years.

Senior citizens’ healthcare plans cover all age-related clinical conditions and medical expenses like hospitalisation, pre- and post-hospitalisation expenditures, daycare treatments, and more. Such health plans usually cover pre-existing conditions after the completion of the waiting period, but the premiums are likely to be higher, and initial medical tests could be required before approval.

One can also consider a family floater plan when it comes to health insurance for parents above 70 years. The main objective of a family floater policy is to cover not only the whole family but also elderly members, with a fixed sum insured that can be utilised by any family member when necessary for medical expenditures. Nonetheless, such coverage may be inadequate for the elderly, given the fact that the sum insured might not be enough to pay for their healthcare requirements.

If you opt for a critical illness insurance plan, you can obtain coverage for severe illnesses like cancer, heart attacks, and stroke, among others. After being diagnosed with the covered illness, the policyholder gets the entire compensatory amount as a lump sum payment. Although critical illness insurance plans can be helpful for senior citizens, these policies may not cover all medical costs completely.

A top-up plan is an add-on cover that can be used to enhance the scope of coverage for existing healthcare plans. Senior citizens who already have healthcare policies can opt for top-up plans for extra coverage for specific procedures/treatments.

Wrapping Up

A senior citizens’ healthcare plan is an apt choice for parents aged over 70. However, one can customise an existing health plan with necessary add-ons and enhance its scope of coverage.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the 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.