Health insurance plays a significant role in financial planning by offering essential coverage for medical expenses to individuals and families. However, amidst the array of health insurance options available, many people question whether maternity benefits are included.

Pregnancy and childbirth involve significant costs, so it's important to know if health insurance offers adequate coverage for maternity-related expenses. This article explores what is maternity cover in health insurance plans, discussing its importance, the extent of coverage, and reasons for considering it.

What is Maternity Cover in Health Insurance?

Maternity benefits in health insurance ensure that expectant mothers can focus on their health and babies without shouldering the financial burden. Here's what it typically covers —

• Delivery Costs: Healthcare plans providing maternity benefits cover C-sections and natural deliveries, including hospital stays, room rent charges, and surgical expenses.
• Prenatal and Postnatal Care: It includes coverage for prenatal check-ups, diagnostic tests, prescribed medications, and postpartum care for both mother and baby.
• Newborn Care Coverage: This includes coverage for newborns aged up to 90 days and vaccinations for babies aged up to one year.
• Pre- and Post-hospitalisation: Healthcare plans with maternity benefits cover pregnancy-related expenses for 30 days hospitalisation and 60 days after discharge, including costs for consultations before delivery, diagnostic tests, and care after childbirth.

Is Maternity Benefit Covered in Health Insurance Policies?

Yes, many health insurance policies cover maternity benefits. However, pregnancy is considered a pre-existing condition in health insurance, and hence, the terms and conditions of such plans vary between insurers.

• The waiting period for availing of maternity coverage of a health insurance plan typically ranges between 9 months and 6 years. During this period, individuals are not eligible for coverage related to pregnancy. As the waiting period varies between insurers, check before purchasing the plan.
• Some insurers also offer benefits, such as coverage for newborns. However, up to two children can be covered.

Reasons to Opt for Maternity Coverage

• Pregnancy and childbirth involve huge costs, including consultations, diagnostic tests, hospital stays, and care after childbirth. Having maternity insurance offers a sense of security by taking care of the expenses and easing the burden of out-of-pocket costs.
• You can avail of quality healthcare throughout the pregnancy journey, from check-ups to medical intervention during childbirth, without losing sleep over the associated costs.
• According to Section 80D of the Income Tax Act, policyholders can avail of tax deductions on premiums paid for health insurance plans offering maternity coverage. This tax benefit helps individuals reduce their tax liabilities, making maternity coverage a financially prudent decision.
• Expectant mothers find peace of mind in knowing they are financially prepared to handle any emergencies that may arise during pregnancy and childbirth.

Conclusion

Choosing a healthcare plan with maternity benefits ensures comprehensive coverage for prenatal, delivery, and postnatal care. Considering the perks, like tax advantages and a sense of security, opting for maternity insurance is a move to protect both your health and financial stability as you navigate the path to becoming a parent. Pick a plan with an adequate sum insured, minimum waiting period, and optimal 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.

Eye cancer, medically called ocular melanoma, targets the melanin-producing cells within the eye. Unlike certain cancers, it tends to evade immediate detection, posing early identification challenges. This type of cancer generally does not present early warning signs; however, when it does, individuals may notice alterations in their vision, the emergence of dark spots on the iris or the perception of floaters in their field of vision. Other types of eye cancer include retinoblastoma. While the precise triggers behind eye cancer remain a subject of ongoing investigation, we will delve into several causes of eye cancer and recognise risk factors contributing to its development.

How is Eye Cancer Caused?

Here are the main causes of eye cancer:

• DNA Mutations

Eye cancer, particularly ocular melanoma, primarily arises from DNA mutations within normally healthy eye cells. These mutations disrupt the regular life cycle of cells, causing them to grow uncontrollably and form a tumour. In ocular melanoma, these mutations affect the melanin-producing cells within the eye. Melanin is the pigment responsible for hair, skin and eye colour. When these mutations occur, they prompt the affected cells to continue growth when they should naturally die off. This accumulation of mutated cells leads to the development of eye melanoma.

• Location within the Eye

Ocular melanoma typically develops in the uvea, which consists of three parts — the iris, choroid layer and ciliary body. Most commonly, it occurs in the middle layer of the eye, the choroid layer. However, it can also manifest on the iris or ciliary body. In rare cases, it may appear on the conjunctiva, the eyelid or the socket around the eyeball.

Several factors are involved in the risk of developing eye cancer, including:

• Light Eye Colour

Individuals with blue or green eyes are at a higher risk for ocular melanoma. The reasons behind this association are unclear but may involve genetics’ influence on eye colour and susceptibility to melanoma.

• Race

Ocular melanoma exhibits disparities among racial groups, with higher incidence rates in white individuals than in other ethnicities.

• Age

The risk of developing eye cancer rises, with a higher prevalence among older individuals. It is consistent with the general pattern of cancer development, which increases with age.

• Inherited Cancer Syndromes

Some inherited genetic conditions, such as dysplastic nevus syndrome, can elevate the risk of skin and eye melanomas. These syndromes often involve the presence of atypical or abnormal moles.

• Exposure to Ultraviolet (UV) Radiation

While the precise role of UV exposure in ocular melanoma remains unclear, evidence suggests that exposure to UV light, whether from sunlight or tanning beds, may increase the risk of developing this cancer.

• Certain Genetic Mutations

Specific genetic mutations inherited from parents can contribute to the development of ocular melanoma. These genetic factors play a role in the predisposition of certain individuals to this type of cancer.

Conclusion

Eye cancer, or ocular melanoma, is a complex condition that arises from DNA mutations in the eye’s melanin-producing cells. Although its exact causes remain elusive, several risk factors have been identified, including age, race, eye colour, genetic factors and UV exposure. Early detection of retinoblastoma causes is crucial for effective treatment because it often presents without noticeable symptoms. Understanding these risk factors and seeking regular eye examinations can help identify and manage this potentially severe disease early. Having a comprehensive health insurance plan can provide financial coverage for regular eye exams, diagnostic tests, and advanced treatments, ensuring timely care while reducing the financial burden associated with managing eye cancer.

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.

Fluoroscopy is an imaging technique that generates a video-like sequence of the internal organs of the human body. It is used in a wide range of procedures, serving purposes of both diagnosis and treatment in medical science.

What is Fluoroscopy Used for?

Fluoroscopy relies on several brief but steady bursts of X-rays to produce real-time moving images of the human interior that physicians monitor. Fluoroscopy benefits healthcare providers by offering them exact information about the functioning of vital body processes.

The many advantages of fluoroscopy make it an important tool in medical imaging. It provides a detailed internal view of the many human organs and tissues, which is essential for proper understanding and treatment of underlying health conditions.

Fluoroscopy applications are largely considered in two vital areas:

• Diagnosis of diseases
• Aiding certain treatment procedures

Fluoroscopies serve diverse needs even within these two domains. Depending on the health condition, this imaging procedure can be performed across different medical departments.

The range of fluoroscopy uses in medical science covers the following areas pertaining to the human body:

• Cardiology
• Gastrointestinal/digestive system
• Gynaecology
• Orthopaedics
• Urology

Let us first understand the different categories in which fluoroscopy can aid diagnosis.

• Angiography. It is a test of the heart performed using medical imaging or fluoroscopy and mainly detects blockages of the arteries and their narrow parts.
• Barium Enema: Fluoroscopy applications encompass diagnostic procedures of both the large and small intestines. Barium enema helps detect abnormalities in the large intestine, i.e., the colon and the rectum.
• Barium Swallow: This fluoroscopy test checks for issues with the upper gastrointestinal tract. It is also called an esophagogram, and areas including the mouth, back of the throat, oesophagus, stomach, and the first part of the small intestine are screened. Esophageal disorders and ulcers, as well as gastroesophageal reflux disease (GERD), tumours, and structural problems in the GI tract, can be detected through this test.
• Cystography: This fluoroscopy test helps diagnose possible bladder problems. The particular term for the procedure is voiding cystourethrography, which is conducted to determine conditions like vesicoureteric reflux or the presence of a bladder leak in an individual.
• Fistulography: This involves fluoroscopy that is not specific to only a certain part of the human body. Fistulography is a special medical test that concerns any abnormal passage or opening, called fistula, between an organ and the body surface.
• Hysterosalpingogram: For determining issues of fertility in women, tests like hysterosalpingogram are conducted with fluoroscopy.
• Myelography: Fluoroscopy uses extend to visualising the musculoskeletal system through the procedure of myelography. Prevailing issues in the spinal cord, like injury, cysts or tumours, can be detected through it.

The many treatment processes that use fluoroscopy include minimally invasive procedures of treating fractures to more medically advanced surgery processes. Doctors rely on this imaging technique for performing therapy processes, such as:

• Biopsy: An invasive procedure to remove tissue or cells for medical testing.
• Cardiac catheterisation: A necessity to guide crucial medical procedures of angioplasty.
• Catheter insertion: Placement of catheters inside the body to drain fluid.
• Kyphoplasty: A procedure to treat compression fractures.
• Stent placement: Procedure where stents are planted within the body to open blocked blood vessels.
• Orthopaedic surgery: C-Arm fluoroscopy provides the premise for many orthopaedic procedures and surgeries.

Conclusion

The many fluoroscopy advantages are significant within the medical realm. Concerns about the potential risks of continuous exposure to X-rays are downplayed by its benefits. In any case, though, it is recommended to have a robust health insurance policy to cover medical costs.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult 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.

Scleroderma, also called system sclerosis, is an autoimmune disease and usually a rare condition. It replaces the normal tissue of a person's body with very thick and dense tissues. Scleroderma generally doesn't influence parts of the body other than skin. In severe cases, it can adversely affect your gastrointestinal system, kidney, and liver. For early scleroderma diagnosis and the right treatment, you must understand the symptoms of scleroderma.

Before we discuss systemic sclerosis symptoms, let us run a quick brief on its cause. Scleroderma is caused when the body produces and stores more collagen than the actual requirement. The overproduced collagen accumulates and causes Scleroderma. It's additionally seen that Scleroderma can be transmitted through genes. Natural factors can likewise be a reason for the occurrence of this infection.

What are the symptoms of Scleroderma?

Some symptoms of Scleroderma can easily be observed, and others can be hard to track.

In early Scleroderma, you can observe some symptoms like hard and stiff skin. You can also observe hair loss and decreased sweating even in extremely hot environments. Your skin may get dry and itchy due to the accumulated collagen in tissues.

Following are the most common symptoms of Scleroderma -

Tight Skin

Tight skin is one of the most common symptoms of Scleroderma. As we know, Scleroderma is caused by excessive production of collagen in our body. The normal amount of collagen also makes our skin tight, but that is up to a limit. However, in the case of Scleroderma, the skin gets too tight and develops spots, a salt-pepper effect, and sometimes pain.

Digestive Issues

Scleroderma doesn't influence different organs, generally speaking. However, at times, you can, in any case, notice side effects like stomach-related issues and constipation. These are the least observed symptoms and do not appear generally.

Conclusion

The systemic sclerosis symptoms are not very different and seem like common problems. This is what makes this disease even more dangerous. It's quite challenging to track. Still, if you observe all the mentioned symptoms at once, then it's better to consult a doctor. Having a comprehensive health insurance plan can provide financial security and ensure timely access to the necessary medical care for managing such conditions.

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

Tax season can be a confusing and stressful time for many people, especially when it comes to figuring out which deductions and credits apply to their specific situation. One common question often arises — can we claim 80D and 80DDB together? While both relate to medical expenses, they have distinct differences that can impact their eligibility for use. In this discussion, we will explore the nuances of each deduction and provide clarity on whether it’s possible to claim both simultaneously.

What is Section 80D?

Section 80D is a provision in the Income Tax Act that offers tax benefits to individuals who purchase health insurance policies. It provides a deduction on the premium paid towards the health insurance policy, thereby reducing the taxable income. The Section also offers an additional deduction for those who pay premiums for their parent’s health insurance policies, providing financial relief for families with dependents. Section 80D encourages people to invest in health insurance policies and ensures access to quality medical care without financial constraints.

For taxpayers under 60 years of age, the deduction ceiling for Section 80D stands at Rs 25,000. However, for individuals aged 60 years and above, this limit is extended to Rs 50,000. Additionally, if a taxpayer pays the premium for his/her parents’ medical insurance policy, the person can avail of an extra benefit of up to Rs 50,000; remember that this depends on the age of the taxpayer’s parents.

What is Section 80DDB?

Section 80DDB allows taxpayers to claim a tax benefit for treatment costs incurred towards specified diseases, thereby reducing their tax liability. This Section aims to alleviate the monetary hurdle for taxpayers who incur high medical expenses for themselves or their dependents.

The diseases covered in this Section include neurological disorders, malignant cancers, chronic kidney diseases, and others that require specialised treatment. A taxpayer can claim a deduction of up to Rs 40,000 (age below 60) or Rs 1,00,000 (applicable for senior citizens) for the expenses incurred towards treating these diseases.

To receive this benefit, the taxpayer must get a doctor’s prescription for the treatment from a registered medical practitioner. The prescription must also specify the nature of the disease and the treatment’s estimated expenses. The deduction is available to a taxpayer or his/her dependents, including the person’s spouse, children, parents, and siblings.

Can both deductions be claimed at the same time?

It is possible to benefit from both 80D and 80DDB deductions. However, to claim the 80DDB medical expenditure deduction, one must provide evidence of the prescription given by a doctor. Additionally, only the amount the insurer does not cover qualifies for a Section 80DDB deduction. That means when calculating the total amount spent on medical expenses for a parent, one must subtract any amount received from the insurance company. The remaining balance will be eligible for deduction under 80DDB.

Conclusion

Sections 80D and 80DDB of the Income Tax Act provide significant tax benefits to individuals for medical insurance premiums and treatment expenses. Claiming these deductions together requires individuals to ensure that they meet all eligibility criteria and do not exceed the maximum limit allowed for total deduction claimed. It is also advisable for individuals to consult a tax expert to understand the deductions and ensure that they follow all tax laws correctly.

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.

Bipolar disorder, often associated with adults, can also affect children and teenagers. This mental health condition is characterised by intense mood swings, seen as extreme highs or lows, impacting daily functioning and relationships. While diagnosis in young people can be challenging due to differing symptoms from adults, understanding and early intervention are important for effective management. In this blog, we'll explore the signs, symptoms, and treatment options for bipolar disorder in teens and children, offering support and insight to caregivers, educators, and families navigating this condition.

What is Bipolar Disorder in Children and Teens?

Bipolar disorder is commonly associated with young adults, but it can also manifest in teenagers, which presents a challenge due to differences in symptom presentation compared to adults. Unlike adults, children may not always exhibit the typical symptoms associated with bipolar disorder, and their mood fluctuations may not meet standard diagnostic criteria. This discrepancy often leads to uncertainty about whether certain behaviors warrant mental health intervention. However, bipolar disorder in teens is characterized by pronounced and unprovoked mood swings, ranging from manic or hypomanic highs to severe depression.

 Other symptoms of bipolar disorder in teens include:

• Alterrations in sleep patterns
• Fluctuations in energy levels
• Difficulty focusing and the ability to think clearly
• Children may find it hard to perform well in school
• Difficulty socialising
• Thoughts of self-harm or attempts to commit suicide

In case of a manic episode, your child may experience:

• Phases of over-excitement and happiness.
• Bursts of energy
• Unusually frequent tantrums or irritability
• Be unusually silly compared to others of similar age children.
• Destructive and stubborn behaviour.
• Difficulty in sleeping
• Impatience, irritation and restlessness
• Reckless behaviour

In case of a depressive episode, your child may:

• Feel frequent and unprovoked sadness.
• Be uninterested in things they used to love doing earlier.
• Cry often.
• Be irritable.
• Have low energy energy.
• Not eat properly.
• Have suicidal thoughts.
• Trouble in remembering things or bad memory
• Find it difficult to socialise

Sometimes, the symptoms of bipolar disorder overlap with symptoms of other common disorders that occur in children, such as:

• Attention deficit hyperactivity disorder (ADHD), Disruptive mood regulation disorder.
• Oppositional defiant disorder
• Conduct disorder
• Major depression
• Anxiety disorders

Because of this, diagnosing bipolar disorder with similar symptoms in children can be challenging and requires medical attention from trained and experienced medical care professionals to evaluate the proper diagnosis and treat the patient at the earliest. It is always recommended to buy health insurance plans to meet your expenses cost-effectively in networked hospitals.

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.

Bipolar disorder is a serious mental health condition marked by intense mood swings, swinging from extreme highs to lows. It can greatly disrupt someone's life. Treating this disorder involves using various methods to stabilise the mood and reduce symptoms. These treatments can include medications, therapy, lifestyle changes, and support from others. In this blog, we'll explore the different bipolar disorder treatment forms and how they can help manage this condition effectively.

Bipolar Disorder Treatment: Explained

Several treatments are available to help you manage your symptoms of bipolar disorder. These include:

1.  Medications

Several medications are available to help deal with mood swings, commonly known as mood stabilisers:

• Lithium, also known as mood stabilizer(Lithobid)
• Anticonvulsant medicines mainly fluoxetine-olanzapine
• Antipsychotic medicines, such as olanzapine
• Benzodiazepines to treat anxiety disorders.

2. Psychotherapy

Some people find psychological therapies useful in the treatment of bipolar disorder alongside medications to treat the episodes of mania or depression. These therapies may include:

• Psycho-education

This is a therapeutic approach that focuses on learning about a condition and treatment related to mood disorders and imparts knowledge toward helping and supporting people in their lives to recognize and learn early signs of mood and ways to manage and treat them more effectively.

• Cognitive Behavioral Therapy (CBT)

This is the most useful therapy when treating depression as it focuses on family relationships and encourages everyone within the family or relationship to help and support in dealing with mental health. Your therapist will teach you to understand:

• Thought patterns
• Reframing distressing emotions
• Learn and practice coping strategies to deal with patients.
• Interpersonal and social rhythm therapy
• Interpersonal and social rhythm therapy to focus on regulating daily habits like sleeping, eating, exercising and balancing everyday basics to avoid triggers of mood episodes.

Bipolar disorder medication and therapies can help to deal with mood depressive disorders and cope with the symptoms they cause. Taking a health insurance policy can help you to cover the expense of hospitalization and a good care team, including:

• Primary doctor to treat physical
• Psychiatrist to prescribe you medicine
• A therapist or counselor for talk therapy
• Medical team to help deal with mood episodes without paying any extra cost.

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.

Certain conditions might be more regularly seen in males yet moderately uncommon or less successive in females. Alternately, males don't have every one of the hormones that are tracked down in females. In any case, it's vital to take note that the two males and females share many hormones. One of those commonly found hormones is estrogen.

Estrogen is generally present in both male as well as female bodies, and it's quite normal. Having estrogen hormones is common until it gets increased beyond the natural and required level.

What are the symptoms of high estrogen in women?

People generally don't know enough about the symptoms of high estrogen in women. That's why they fail to recognize it at the right time and take corrective actions.

The most common high estrogen symptoms in females are:-

• Weight gains

Weight gain can be natural, but in cases where females experience sudden weight gains can be due to high estrogen. High levels of estrogen in women cause weight gain near the area of your hips and waist.

• Unusual periods

Periods are a regular phenomenon in females, which tells a lot about their bodies. Similar to weight gain, sometimes periods can be unusual, too. However, unusual periods regularly are a symptom of high estrogen. Unusual means heavy or low flow during periods of difference in time lapse between two periods.

• Fatigue

High estrogen in females may cause them to get tired without actually performing any tiring chores. Sometimes, high estrogen levels make you feel tired without literally being tired. It's a very common symptom that women observe due to high estrogen.

• Anxiety

All of us have heard about the mood swings that women experience during their periods. This happens due to improper secretion of different hormones in our body during periods. The same can happen due to the presence of high estrogen levels.

Conclusion

Males and females both can suffer from High estrogen secretion in their bodies. However, the symptoms in males and females differ in most cases. This is due to different hormones that are already present in their bodies. Also, the symptoms mentioned above aren't the only ones; there can be other high estrogen symptoms in females, too. If you're experiencing persistent symptoms, it's important to consult a healthcare professional. Having a comprehensive health insurance plan can provide peace of mind and help cover the costs of diagnostic tests, treatments, and regular check-ups.

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.

Depression is more than just feeling down on some days at a stretch — it is a serious medical condition that impacts millions of people all over the world. Understanding depression is essential for early detection and effective management before it interferes with one’s day-to-day life. So, identifying triggers and symptoms will help us take those proactive steps towards treatment and recovery. This blog will highlight the causes and effects of depression and provide valuable insights into overcoming its challenges.

What Are The Causes and Effects of Depression?

We’ve broken down the triggers and effects of depression to better understand this complex mental health condition.

• Genetic Factors: Depression can run in families, suggesting a genetic predisposition. If relatives have experienced depression, individuals may be at a higher risk. Genetics play a significant role in determining susceptibility to the condition.
• Life Circumstances: Major life events such as loss, divorce, or job instability can trigger depression. Feelings of overwhelm or loss of control often precipitate depressive episodes. Situational depression, triggered by recent events, underscores the impact of environment and experiences on mental health.
• Medical Conditions: Certain health conditions like chronic illness, insomnia, or chronic pain can increase vulnerability to depression. Conversely, managing these conditions can be challenging with depression, forming a challenging cycle. For instance, chronic pain can lead to decreased activity and social isolation, exacerbating depressive symptoms.
• Brain Chemistry Imbalance: Imbalances in neurotransmitters like serotonin, dopamine, and norepinephrine, which regulate mood, can contribute to depression. Medication may be necessary to restore balance in these chemicals and manage the condition effectively. This highlights the role of brain chemistry in depression and the need for targeted treatment approaches.

Effects of Depression:

Most often, we hear questions like ‘Can depression cause headaches?’ and sometimes, we are not sure. Such questions can often arise in our minds, so understanding the effects of depression is vital for recognising symptoms early and taking effective treatment measures.

• Mood Swings: From feeling irritable to overwhelmed, mood changes are a hallmark of depression. It is more than just having a bad day – it is a persistent feeling that doesn’t seem to lift. These mood swings can significantly affect personal and professional relationships.
• Physical Symptoms: People often experience fatigue, changes in appetite, headaches, or sleep disturbances. These symptoms can lead to a decreased quality of life and may contribute to the severity of the depression.
• Cognitive Impacts: Difficulty concentrating, remembering details, or making decisions are common when you are battling depression. It feels like a fog you just can’t clear. These cognitive issues can affect every aspect of life — from work performance to maintaining relationships.
• Withdrawal from Social Activities: Pulling away from friends and activities you once loved is a significant effect of depression. It is not about being antisocial — it is the illness taking its toll. Social withdrawal worsens the sense of isolation and can perpetuate the cycle of depression.

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.

Have you ever wished for instant access to your doctor without the usual wait? Enter concierge medicine: a unique healthcare option providing premium care from a specialized team of physicians. It's a choice for those seeking exclusive healthcare experiences, where same-day appointments and round-the-clock physician access are the norm. With concierge medicine, you receive highly personalized treatment and high-quality care, tailored to your needs. However, it's important to note that these perks come with a higher price tag. Concierge medicine offers unparalleled service, but it's reserved for those willing to invest in their health. This article will explore the meaning of concierge medicine and what it covers.

Concierge Medical Meaning

Concierge medicine is a broad term used to describe an association between a patient and physician where a special type of care is given to patients who reserve high-end premium packages in advance. This involves paying an annual or monthly fixed fee for conveniences like same-day appointments and 24/7 physician availability. Under this package comes the doctor’s house call, urgent care clinic, paediatricians and primary care physicians or medical specialists who have a few special appointment days set aside in a week to see only their concierge service patients.

Like primary care physicians, concierge doctors can do everything, including administer lab tests, conduct annual physical exams and diagnostic screenings. They can also provide minor urgent care services like stitches, skin treatment in accidental cases, and more. However, these concierge doctors can’t provide major medical procedures, like surgery.

Concierge medicine comes with a hefty price tag. However, the upside is fewer paperwork hassles and more personalized care, fostering strong bonds between patients and their physicians. It's crucial to understand that concierge medical care isn't a substitute for insurance. While it offers perks like direct access to your doctor and enhanced services, it doesn't cover hospital stays or specialist visits. To benefit from concierge medicine, you still need to maintain separate medical insurance 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.

Thanks to high pollution levels and unhealthy lifestyle habits, there has been a notable increase in health issues among people of all ages. Moreover, healthcare costs are skyrocketing, and even a minor medical procedure can burn a hole in your pocket. This is when having adequate health insurance can ease your worries.

So, what is the meaning of health insurance and how can it help you during medical emergencies? Let’s find out in this article.

Definition of health insurance

Health insurance is an important insurance product that covers the hospital bills of the insured. If you are admitted to the hospital for an illness or injury, the insurer will cover a major part of your medical bills. This will reduce your out-of-pocket expenses and save you from financial setbacks.

A comprehensive health insurance policy offers wide coverage to policyholders against the following:

• Hospital bills
• Pre- and post-hospitalisation expenses
• Daycare procedures
• Domiciliary hospitalisation or home healthcare
• Road ambulance bills
• AYUSH treatments
• Organ donor expenses
• Pre-existing diseases

In addition to these, you can extend the coverage of your healthcare plan with important add-on covers, such as maternity coverage, critical illness cover, convalescence benefit, and hospital daily cash.

When it comes to health insurance claims, you can choose between cashless and reimbursement.

• Cashless claims: If you choose a network hospital of the insurer for a medical procedure, you can opt for cashless treatment. In this case, the insurer will settle your medical bills directly with the hospital.
• Reimbursement claim: In a reimbursement claim, you must settle the hospital bills from your pocket at the time of discharge and then file a claim with the insurance provider. The insurer will verify your bills and receipts and reimburse you for the amount in your bank account.

How to choose a good health insurance plan?

If you are looking to buy a health insurance policy, here’s how you can choose a good one —

• Sum insured: Choose a sum insured based on your age, current health, medical history, lifestyle, and city of residence. For example, if you are young and healthy, you can choose a basic sum insured of INR 5-7 lakh. On the other hand, if you are above 50 and have pre-existing conditions and unhealthy lifestyle habits, you may need a higher sum insured of about INR 10-15 lakh to cover your medical bills.
• Policy inclusions and exclusions: Select a healthcare policy with important inclusions. It is always wise to buy a policy with more inclusions and fewer exclusions.
• Network hospitals: Choose an insurance provider with good network hospitals in the vicinity. If there is a medical emergency, you can quickly reach the nearest hospital for cashless treatment.
• Add-on covers: Add-ons help enhance the coverage of a health insurance policy. Therefore, choose a plan with important add-on covers, such as critical illness cover and hospital daily cash, for better financial security.
• Policy document: Go through the fine print of the policy document to understand the limits, sub-limits, clauses, etc. For instance, some insurance policies have a room rent limit of INR 2000 to INR 4000 per day. Pre- and post-hospitalisation coverage can also vary from insurer to insurer. You must also check the waiting period and the co-pay clause.

Also Read - What Does Health Insurance Cover?

Conclusion

To sum up, health insurance undoubtedly is an important investment for individuals and families looking to secure their health and finances. Therefore, it is important to invest early in life and choose a plan wisely for maximum benefits. With insurance companies in India offering a range of health plans, make sure you do good research and zero in on a policy that best matches your healthcare requirements and pocket.

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.

How is Appendicitis detected?

Introduction 

We have all heard of the dreaded Appendicitis, a condition that can strike out of the blue and cause quite a bit of discomfort. But how is Appendicitis detected? It is a question that is crucial to answer, not just for your health but also for understanding how it will relate to your health insurance. By being informed, you can make the most out of your insurance and ensure that you receive the necessary care without unexpected financial burdens.

Diagnosis of appendicitis 

When it comes to Appendicitis diagnosis, doctors employ a combination of methods to ensure proper and accurate diagnosis. Here is a breakdown of how it's typically done.

1. Medical history: It all begins with the conversation. Your doctor may ask you about your symptoms, medical history and any recent events that might be relevant. This step helps them understand your situation better.
2. Physical examination: The doctor will then perform a physical examination. They will press on different areas of the abdomen to check for tenderness and pain, with a specific focus on the lower right side,  where your appendix is located. If you experience intense pain when they press there, it would be a sign of Appendicitis.
3. Blood test: A routine blood test may be ordered. An increased white blood cell count is often a sign of inflammation or infection, which can be indicative of appendicitis.
4. Urine test: Sometimes a urinalysis is done to rule out a urinary tract infection, which can have similar symptoms to appendicitis
5. Imaging: In some cases, doctors may use imaging tests such as ultrasound or CT scan to get a better look at the appendix and the surrounding area. These images can reveal inflammation or blockages in the appendix.
6. Diagnostic Laparoscopy: If the diagnosis is still unclear after the above tests, a laparoscopy may be performed. This is a minimally invasive surgical procedure where a small camera is inserted into your abdomen to visualise the appendix if it is inflamed or infected directly.

Conclusion 

Understanding how appendicitis is diagnosed is not only important for your health but also for your health insurance policy. So, if you're considering health insurance or about to renew your policy, it is worth exploring the specifics of coverage for conditions like appendicitis. Knowing the ins and outs of your policy, especially how it covers appendix diagnosis and treatment, is crucial. After all, being prepared for life's unexpected twists is one of the best ways to protect your well-being and your wallet.

How is colitis detected?

Introduction

Colitis is an inflammation of the inner lining of the colon. The colitis diagnosis takes a look at the clinical symptoms and involves various tests. A physician assesses signs like abdominal pain and diarrhoea. Confirmatory tests include blood work, stool analysis, and direct visualization with colonoscopy or sigmoidoscopy, which may involve biopsies. Imaging such as CT scans further evaluates inflammation.

Importantly, navigating health insurance is crucial as coverage for these diagnostic procedures varies, influencing the patient's access to specific tests and treatments. Understanding one's policy can help manage the financial aspects of colitis diagnosis and care, ensuring timely and appropriate intervention.

Diagnosis of colitis

For colitis diagnosis, medical professionals reply with a combination of methods and tests. Here is a brief overview of how they go about it.

1. Medical history: It all starts with a conversation. Your doctor may want to learn about your symptoms, medical history, and any factors that might be contributing to your condition. Your insights can provide valuable clues.
2. Physical examination: Physical examination is usually the next step. Your doctor will check for tenderness or swelling in your abdomen and may ask you to describe your symptoms in more detail. They will pay special attention to the abdominal area where the colon is located.
3. Blood test: Blood tests are often used to look for signs of inflammation or infection. Abnormalities in your blood work can suggest the presence of colitis.
4. Stool sample: The doctor may request a stool sample to check for signs of infection or bleeding. This can confirm the presence of colitis and rule out other conditions.
5. Endoscopic procedures: Endoscopic procedures like Cand Sigmoidoscopy are crucial in diagnosing colitis.  During these procedures, a flexible tube with the camera is inserted into your colon. It allows the doctor to examine the colon's lining and take tissue biopsies. This is the most definitive way for ulcerative colitis diagnosis, a specific type of colitis.
6. Imaging test: In some cases, doctors may use imaging tests such as CT scans or MRIs to get a better view of the colon and surrounding areas. These tests can help  identify complications and rule out other forms of inflammatory bowel disease like Crohn's disease

Always consult with your healthcare provider and your insurance company to understand your unique situation and ensure you have the support you need.

Conclusion 

Understanding how colitis is diagnosed is not just essential for health but also for a health insurance policy. Knowledge about your health insurance coverage, especially how it applies to colitis diagnosis and treatment, can be invaluable. By being informed, you can ensure you get the care you need without unexpected financial worries. 

How is Chlamydia Detected?

Chlamydia is an incredibly common sexually transmitted infection (STI) that affects both men and women.  If left untreated, it can cause serious health issues like infertility and pelvic inflammatory disease in women. That's why it's important to know how to detect chlamydia if you think you might have been exposed. Pregnant women are also often screened for chlamydia during the first prenatal examination. In this article, we will explain which tests are available for a chlamydia diagnosis.

Diagnosis of Chlamydia

Chlamydia diagnosis involves a few different approaches. These include:

1. Nucleic acid amplification test( NAATs): NAATs are highly sensitive and specific tests that are commonly used to diagnose chlamydia. They work by detecting the genetic material of the Chlamydia trachomatis bacteria. NAATs are typically performed on easy-to-obtain specimens such as vaginal swabs (either collected by a clinician or the patient) and urine samples.
2. Cell culture: Though less commonly used today, cell culture involves growing the chlamydia bacteria in a laboratory setting and viewing the subsequent samples under a microscope. This method can be time-consuming and is not as sensitive as NAATs, but it is still an option in some cases.
3. Direct antigen test: These tests identify specific chlamydia antigens and proteins in a  specimen. While they are not as commonly used as NAATs, they can be a useful diagnostic tool.
4. Urine test:  As mentioned earlier, urine tests can be used for NAAT testing, which is convenient and non-invasive.  It's often the preferred method, especially for those who may be hesitant to provide swabs.
5. Swab test: Clinicians may collect swabs from the cervix ( in women) and urethra (in men) or rectum (in both genders)  to directly test for chlamydia using NAATs or other methods.
6. Self-testing kits: Some organizations provide self-testing kits for chlamydia diagnosis, allowing individuals to collect their own samples in the privacy of their homes and send them to a laboratory for testing. These tests are particularly useful for those who are uncomfortable with traditional clinic-based testing.

Conclusion 

In conclusion, diagnosing chlamydia often requires several tests which can prevent it from going undetected. It is important to recognize the signs and symptoms if there is suspicion of infection, or to get routinely tested. Without the right treatment, the infection can spread to other parts of the body. Always consult with a healthcare professional and your health insurance plan provider to understand your specific situation, ensuring you have the support you need to stay healthy and worry-free.

How is Arthritis Detected?

Arthritis is a common bone condition that affects many people. The condition can be painful and debilitating, and is associated with joint pain and inflammation. For prompt intervention and efficient treatment of this ailment, early arthritis detection is crucial. In this article, we’ll look at how arthritis is diagnosed.

Diagnosis of Arthritis

The following outlines the steps in diagnosing arthritis:

• Symptom Evaluation:

The process of diagnosing arthritis begins with a thorough assessment of the patient's symptoms. Depending on the kind and severity of the condition, arthritis can present with a variety of symptoms, but common ones include stiffness, swelling, joint pain, and decreased range of motion.

• Health History:

First, medical professionals obtain a thorough medical history. Crucial insights can be gained from knowledge regarding the onset of symptoms, family history of arthritis, prior joint injuries, and any underlying medical conditions.

• Physical Assessment:

A physical examination is conducted to evaluate the person’s range of motion, and assess the amount of swelling and joint tenderness. This aids the medical professional in determining the impacted joints and possible indications of arthritis.

• Tests on Blood:

Blood tests are frequently utilised to find specific markers linked to different kinds of arthritis. Certain blood markers, such as C-reactive protein (CRP) or erythrocyte sedimentation rate (ESR) may be elevated in some types of arthritis.

• Imaging Research:

Joint damage, deformities, and the degree of inflammation can be seen in detail using X-rays, ultrasounds, and magnetic resonance imaging (MRI) scans. The diagnosis of inflammatory types of arthritis and osteoarthritis can be aided by these imaging tests.

• Analysis of Synovial Fluid:

Synovial fluid from an afflicted joint may be aspirated and examined if arthritis is suspected. This fluid may show indications of infection, inflammation, or crystal formation (as in gout).

• Tests for genetics:

Genetic testing may be used to find particular genetic markers linked to some types of arthritis, such as psoriatic arthritis and ankylosing spondylitis.

Conclusion

If you were wondering how to detect arthritis, we hope this has helped. In summary, identifying arthritis involves a complex process that includes a detailed assessment of symptoms, a medical history, a physical examination, a number of diagnostic tests, and, in certain situations, genetic testing or biopsies.

The costs of these diagnostic procedures can be greatly reduced by health insurance, guaranteeing that people can obtain the required testing and treatments without suffering undue financial hardship.

How is Malaria detected?

Malaria is one of the oldest and most complex diseases in human history. caused by Plasmodium parasites that are transmitted through the bite of an infective female Anopheles mosquito. Early detection is crucial for the timely management and treatment of malaria, as well as for preventing fatalities. A range of methods and diagnostic procedures are used to diagnose malaria, which we will discuss in the following section.

Diagnosis of Malaria

The following outlines how malaria is diagnosed:

• Symptom Evaluation:

Malaria diagnosis includes an evaluation of the patient's symptoms. Malaria frequently manifests as fever, chills, sweats, tiredness, and body aches. Seeking medical attention is imperative if you experience these symptoms, particularly if you have recently travelled to an area where malaria is endemic.

• Medical History:

Healthcare professionals begin by getting a complete medical history, including any recent travel history to regions where the disease is endemic.

• Clinical Assessment:

A physical examination is conducted to assess the overall health of the patient and look for spleen or liver enlargements, which are signs of malaria.

• Test Your Blood for Malaria:

The main method for diagnosing malaria is a blood test. The two main test types used are microscopy and rapid diagnostic tests (RDTs).

• Microscopy:

Using a blood smear and viewing this sample under a microscope is one of the most reliable ways to diagnose malaria. A technician looks for the presence of malaria parasites by microscopically examining a thin blood film.

• Rapid Diagnostic Tests (RDTs):

Rapid, easy-to-use diagnostic tools called RDTs can quickly and accurately identify specific malaria antigens in a blood sample. When resources are limited, these malaria tests can be extremely useful.

Conclusion

Prompt testing and treatment are necessary for the effective management of malaria. The primary method for detecting malaria is blood testing; the most widely used approaches are microscopic analysis and quick diagnostic tests. For those who require them, these diagnostic tests are covered by most health insurance policies. Insurance plans may also cover preventive measures taken before travel to endemic areas.

Having a well-equipped first aid kit handy can make all the difference when you are facing a medical crisis. This will help you manage an emergency. Irrespective of whether you are at your home, workplace, on a hiking trip, or just on the move, keeping a first aid kit with you can help manage minor health conditions.

To create a first aid kit of your own, you should know what items need to be included in the box. You should also give importance to its upkeep.

Importance of a First Aid Kit

A first aid kit is an essential thing every household, office, or vehicle should have. It is an assemblage of medical items and basic equipment that can deliver primary care for cuts, minor burns, insect bites, headaches, colds, etc.  In some situations, the first aid kit can even help control an emergency until expert medical help arrives. Assembling a well-equipped first aid box comprising essential items to promptly treat small scrapes, burns, sprains, and minor ailments can help prevent them from getting worse.

What to Include in a First Aid Kit

The essential things in a first aid kit should ideally include the following:

• Adhesive dressings:

  Various dimensions of adhesive dressings are essential for covering petty scratches and gashes.

• Antiseptic solution:

  An antiseptic solution bottle or wipes to clean injuries and control further infection.

• A few medium-sized gauze pads and tape:

  These are helpful for bandaging injuries and controlling bleeding.

• A small tweezer:

  A small-sized tweezer can help in removing splinters or similar things stuck in the skin.

• Scissor:

  Keeping scissors is essential for cutting tape, bandages, gauze, or cutting clothes from a burnt site.

• Disposable hand gloves:

  Hand gloves for the first aid provider and the patient to prevent infection and possible diseases.

• Pain relief medicines:

  Over-the-counter pain relief medicines can assist in alleviating insignificant pains and discomforts.

• Digital thermometer:

  This instrument can be used to check the body temperature for signs of fever.

• CPR mask:

  In emergencies, a CPR mask can provide rescue breaths safely.

Conclusion

Stocking the right things in a first aid kit is essential in preparing for any emergency medical situation. You can manage insignificant injuries or minor health issues by incorporating critical items that can come to the rescue during accidents like burns, wounds, cuts, bug bites, etc. Further, regularly check and restock your first aid kit to guarantee its contents are up-to-date and usable. Comprehensive health insurance plans may offer preventive care resources and educational materials on how to properly stock and use a first aid kit.

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

Also Read

• How to Provide First Aid for Heart Attack Victims: Tips & Advice
• Effective Common Cold Treatment: Proven Remedies for Quick Relief
• Effective Constipation Treatment: Diet, Exercise, and Medications
• How To Prevent Dengue Fever?
• Autumn Season Diseases: Common Cold, Allergies, Bronchitis

Amenorrhoea is a health illness characterized by the lack of menstrual periods in females in their reproductive years. It can be categorized as primary when a young woman has yet to undergo her first period by age 16 or secondary. At the same time, the person concerned formerly had regular periods, though she has discontinued menstruating for at least 3 months. Let's learn about the actual amenorrhoea meaning, its causes, and why it is essential to seek medical attention if you are experiencing this condition.

What is Amenorrhoea?

Amenorrhoea can be painful for females as it disrupts their reproductive health. It can happen due to diverse elements, including hormone imbalance, specific medical situations, lifestyle preferences, and anxiety. Other amenorrhea causes are hormonal imbalances, like polycystic ovary syndrome (PCOS) or thyroid problems, which can cause amenorrhea by making the menstrual cycle less regular.

Medical needs, like early ovarian failure or distinctive medicines like hormonal contraceptives, can also lead to the absence of periods. Further, intense workouts, extreme body weight loss or gain, and high-stress levels can affect the hormonal balance in the body, resulting in amenorrhea.

Common Causes of Amenorrhoea

Here are some of the common amenorrhoea causes:

• Imbalance in hormones: PCOS, disorders in thyroid levels, and abnormalities in the pituitary gland
• Medical prerequisites: Premature ovarian failure, Asherman's syndrome, and individual medications such as hormonal contraceptives.
• Factors affecting the regular lifestyle: Too much physical activity, intense weight loss or gain, and high stress levels.
• Abnormalities in the reproductive system: Structural uterus, cervix, or vagina problems
• Disorders in the genetic region: Turner syndrome and Androgen Insensitivity Syndrome (AIS)

Conclusion

Amenorrhoea is a complicated situation that can immensely affect a woman's reproductive fitness. It is essential to communicate with a healthcare expert to pinpoint the underlying reason and acquire the appropriate cure, regardless of whether it is owing to hormonal imbalances, infections, lifestyle preferences, or abnormalities in the reproductive system.

Remember, your menstrual cycle is a crucial indicator of your general health, and any disruptions should not be ignored. By comprehending the amenorrhea meaning and its causes and seeking timely medical attention, you can take command of your reproductive well-being and ensure a healthy future. Health insurance can provide coverage for specialized consultations with gynaecologists and endocrinologists, helping to diagnose and treat the underlying causes of amenorrhea.

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

Also Read

• PCOS Treatment: Medications & Lifestyle Changes
• Understanding the Symptoms of Insomnia Disorder
• What Does Obsessive-Compulsive Disorder (OCD) Mean?
• What is Social Anxiety Disorder and What Does it Mean?
• How Obsessive-Compulsive Disorder is Diagnosed?

Schizophrenia is a chronic and severe psychotic mental disorder. Symptoms include hallucinations, lack of motivation, disorganised speech, delusions, and trouble thinking. There is no cure for schizophrenia, but with the correct treatment, these signs can be greatly improved. People often confuse schizophrenia with other mental disorders like split personalities or multiple personalities. In men, the first episode of this condition usually occurs between 18 and 25 years of age, while in females, it occurs initially from 25 to 30 years of age. People with schizophrenia are more likely to have other health conditions like heart disease or obesity.

To understand schizophrenia, it is important to know the terminologies associated with it.

Schizophrenia Terminology to Know

Some of the schizophrenia terminologies are given below:

• Psychosis

  Psychosis is a term used to define a collection of symptoms in which a person’s thinking sometimes becomes completely out of touch with reality. Due to disruptions in the information processing by the brain, people experiencing psychotic episodes have difficulty understanding reality. For example, a person may see people or smell things that do not exist.

• Hallucinations

  Hallucinations are experiences in which an affected person may feel, hear, or see things or people that are not present. In schizophrenia, hearing voices that are not present is the most common type of hallucination.

• Delusions

  Delusions are false beliefs formed by the sufferer even when others believe them to be false and enough evidence is present that the belief is not true. For example, schizophrenic people may believe that someone may harm or harass them.

• Disorganised and abnormal motor behaviour

  In this condition, people show abnormal behaviours and movements, either becoming unusually active or showing childlike behaviours like giggling, making odd faces, making gestures, and engaging in purposeful repeated movements.

• Disorganised thinking and speech

  In this symptom, thoughts and speech do not make sense. For example, during a conversation, a person may switch from one topic to another or an irrelevant topic. This hampers effective, normal communication.

• Negative symptoms

  People suffering from this psychotic disorder may abnormally lack some of their normal behaviours. For example, reduced speech output, desire to engage in daily activities or social contact and feeling of pleasure, impaired emotional expression, etc.

Conclusion

Schizophrenia is a severe, chronic psychotic brain disorder where individuals lose touch with reality. Disconnection from reality in schizophrenia can occur due to a mental or physical condition. Schizophrenia cannot be cured, but some medicines can help relieve the symptoms of this condition. It is vital to consult a healthcare insurer if someone is suffering from psychosis.

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

Also Read

• What is Psychotic Depression?
• What are the Types of Mental Health Disorders?
• What Causes Mental Health Disorders?
• Understanding Mental Health Insurance
• Easy Ways to Start Prioritizing Your Mental Health

Phobia is defined as intense and constant fear about anything, any situation, any person or even any particular activity. Different phobias make up the most commonly diagnosed psychiatric problem around the world. Any type of common phobia can lead to severe anxiety and panic attacks. Sometimes, individuals experiencing any such phobia have a strong family history of the same; therefore, they tend to avoid any situation related to phobic exposure. There are many categories of phobias with specific nomenclature, which is dependent upon the type of phobic exposure.

Common Phobias In The World

In a particular phobia, there is a feeling of intense fear and immediate anxiety after phobic exposure. The symptoms of phobia include rapid heartbeat, shortness of breath, unable to control fear response, etc. The following are some common phobias around the world:

• Acrophobia:

  It refers to a specific fear of heights. People who suffer from acrophobia experience unusually severe fear of heights. They may not want to go to the tops of buildings, bridges, towers, etc. Developing some fear in heightened places is a natural occurrence; however, acrophobics may have anxiety & panic attacks after exposure to high towers, bridges, etc.

• Aerophobia:

  Those who suffer from this fear feel insecure when travelling through aeroplanes, helicopters, etc. They cannot deal with the experience of travelling by aeroplanes and avoid them completely.

• Trypanophobia:

  It stands for the fear of needles or injections. It's a common phobia that can cause anxiety or fainting when facing needle-related procedures.

• Amaxophobia:

  It refers to a specific fear of driving. Such people suffer from heightened anxiety while driving or even by sitting as a passenger.

• Aquaphobia:

  This is the fear of water. People suffering from aquaphobia develop panic attacks once they see water, particularly big water bodies. They even avoid showers, swimming, etc.

• Arachnophobia:

  This phobia suggests the fear of spiders. It is associated with intense fearful feelings when encountered with a spider or any other arachnid.

• Astraphobia:

  It refers to a specific fear of storms. People suffering from this type of fear usually tremble when they experience storms or lightning.

Conclusion

These common phobias can be treated when taken into concern. Behavioural therapy is one of the most effective ways to treat different phobias. The patients undergo a set of least anxiety-provoking stimuli, and they are simultaneously taught various techniques to overcome anxiety, such as relaxation, breathing control, and alternative cognitive approaches. Behavioural and cognitive therapies are known to reduce and sometimes completely cure phobias.  By providing access to trained therapists, health insurance supports individuals in overcoming their phobias through proven behavioral techniques and coping strategies.

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

Also Read

• Wellness Program under Health Insurance Policies
• What Happens if You Don’t Pay Your Health Insurance Premium?
• What is Personal Accident Insurance?
• What Is the Health Insurance Waiting Period?
• What Is Top-Up in Health Insurance in India?