Summer can impact your health, especially if you suffer from high blood pressure. The rising temperatures and humidity levels often raise concerns about health. As the heat intensifies, it is essential to take proactive steps to maintain your well-being, preventing spikes and drops in your blood pressure.

This article explores ways to manage blood pressure in summer.

Ways to control blood pressure in summer

Some people wonder, “Does blood pressure increase in summer?” Since temperature changes can impact health, it's important to take proactive steps during warmer months. Effective strategies include:

1. Hydration

Dehydration is a common issue in summer and can affect blood pressure. It may cause a drop in blood pressure, which may trigger your heart to work harder, leading to fluctuations. To maintain healthy blood pressure in the heat, drink lots of water throughout the day.

Avoid overindulging in caffeine and alcohol, as they can dehydrate you.

2. Eat a balanced diet

Fresh fruits, vegetables and whole grains support your heart health. Incorporate potassium-rich foods like bananas, oranges, and spinach to help regulate your blood pressure in summer.

Excessive salt consumption can worsen high blood pressure during summer. Opt for fresh, home-cooked meals with minimal processed ingredients.

3. Exercise wisely
   
   

While exercise is crucial for managing high blood pressure in summer, intense workouts in extreme heat can be risky. Exercise during early morning or late evening hours when temperatures are cooler. You can do low-impact activities like brisk walks, yoga and swimming to manage high blood pressure safely.

To better understand how summer affects you, track your blood pressure constantly. This allows for early detection of any concerning changes and helps your doctor adjust medications if necessary.

4. Manage stress

High-stress levels can exacerbate high blood pressure. Reduce stress by incorporating relaxation techniques such as yoga, meditation or deep breathing into your routine.

Conclusion

Managing blood pressure in summer is crucial for your overall well-being. To maintain stable blood pressure in hot weather, focus on staying hydrated, exercising regularly and following a balanced diet. If you notice any changes in your health, consult your healthcare provider for early detection and intervention.

Regular check-ups can ensure you stay ahead of potential issues, and a good health insurance policy can cover these visits while offering financial security during unexpected medical events. Additionally, health insurance for family ensures comprehensive care for your loved ones, ensuring peace of mind.

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

Most people suffer from lower back pain at some point throughout their lives. Stretching hips and strengthening the abdominal muscles ensures good posture and better intervertebral discs. This may positively lead to proper spine alignment and enhance the efficiency of the nervous system, thus improving overall health and well-being. This blog discusses how practicing yoga stretches for the lower back will keep you fit and healthy.

Best Yoga Poses for Lower Back Stretching

•         Supine Cat-Cow

Keeping your spine healthy involves mobility and strength, and movement has much to do with that. For example, mobility lubricates your joints and brings fresh blood into your discs. The cat-wow yoga back stretches focus on the lumbar region of your lower spine. It strengthens key muscles while lengthening others. 

Here is how to do it:

Lie on your back with knees bent, feet hip-width apart, with your knees above your ankles. To move into cow pose, inhale and curve your lower back, pressing your tailbone toward the ground. Then, as you exhale into the pose, arch your spine and draw your tailbone toward your knees as you flatten your lower back onto the floor. Do this flow 5-10 times and feel the good results for your spine.

•         Table Top with Alternating Knee to Elbow

The most incredible balance between flexibility and stability is achieved in yoga stretches for the lower back.

For this yoga pose, it would be best if you started on your hands and knees so that your shoulders are straight over your wrists and hips above your knees. Then, take your sit bones toward the wall behind you and lead your chest and eyes forward so your spine is neutral. As you inhale, bring your right arm out in front of you as if you are expanding your entire trunk. Reach out the side of your body as you bring your left leg back from you, anchoring on the front side of your body. Slowly exhale and draw your other knee to your elbow as you tuck your tailbone under by reaching it around and into the floor with the heel of your left hand. Breathe out to return to the stretched position, then breathe in to lower your limbs back to the floor. Do this yoga back stretch five times on each side.

•         Thread the Needle

The cause of lower back pain may not be originating from the lumbar area. It could originate from other parts of your spinal cord. Pain originating from different parts of the spinal cord can happen due to an injury, instability, or tightness of the gluteal muscles. One effective way to alleviate the discomfort is in the "thread the needle" pose. It is accessible and powerful, releasing tension in the outer hips and glutes. 

Here is how to do it:

Begin lying on your back with knees bent and feet hip-width apart. Weave your right leg across the left thigh, creating a figure-four. Weave your right arm through the opening and stretch to the front of your left shin. As you bring your legs into your chest, lengthen your sit bones out, curving your lumbar. Bend your elbows slightly to stay on the floor with your upper back and head.

Conclusion

Yoga stretches for lower back can soothe and improve lower back pain. Use these simple sequences to get you going in the morning or stretch you out at night after a trying day. Consult your physician before beginning a new exercise regimen.

Also make sure you have a mediclaim policy for coverage against medical and surgical 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.

Breast cancer survivors benefit from the health advantages of yoga in multiple ways. Yoga for breast cancer not only helps them calm their minds but also provides pain relief advantages. Through yoga asanas, survivors can strengthen their bodies and quicken the healing process after breast cancer treatment.

Best Yoga Poses for Breast Cancer

After surviving breast cancer, patients often feel disconnected from their bodies and may also become traumatised from the psychological stress. Yoga for breast cancer patients provides the much-needed physical and physiological recovery process in a peaceful environment. However, not all yoga poses are equally helpful for breast cancer survivors, so we have listed the poses that offer the best advantages:

• Child Pose (Balasana)

This yoga pose relaxes the back and chest muscles, eases weariness and stress, and calms the mind. To practice the child pose, begin on all fours, exhale, and bring your hips down to your heels. Extend your arms in front of you while keeping your head down. Hold the position for 10-12 breaths, get back to the first position, and repeat.

• Fish Pose (Matsyasana)

Matsyasana is considered one of the best yoga positions for breast cancer survivors. Your lungs, ribs, and, most significantly, your chest and breast area are all immediately impacted by this pose. Lay down on the yoga mat, extend both legs out, and place your elbows firmly on the mat. Take a breath to expand your chest, and touch the floor with the top of your head. Press firmly with your elbows as your back shouldn’t touch the floor in this position. Remain in this pose for 10-20 seconds.

• Snake Pose (Sarpasana)

The Snake pose helps to open up the chest muscles and improves back and shoulder strength. To begin, lay down on the mat and make sure you are lying flat on your stomach with your forehead touching the floor. Place both of your hands over your hips and interlock the fingers. Take a breath, lift your chest, and pull yourself up from the floor. Extend yourself as though you are being pulled by your hands and maintain that posture for 10 seconds. Release yourself from the pose by taking a deep breath and slowly lying back on your tummy.

• Uttanasana (Standing Forward Bend)

This yoga posture stretches the neck, spine, and back, and directs blood flow to the upper body. To begin, stand up straight and place your feet hip-distance apart. Exhale and move your hips downward to press your head on your knees. Extend your hands to reach the floor with your fingers. Take eight breaths while holding the pose, and then stand back up.

Conclusion

Continuous care is necessary for breast cancer survivors, and yoga can truly help during this phase. When practised correctly, yoga asanas help with chest muscle stretch, boost healing, and help with anxiety relief. Make sure that your health insurance policy covers breast cancer treatment.

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.

Insomnia, a sleep disorder, can be managed with yoga. People with insomnia find it hard to fall asleep. Practising yoga for sleep every night before bed not only cures insomnia but also promotes quality sleep. Set a time limit that suits you, and stick to simple yoga asanas to get rid of insomnia.

Best Yoga Poses for Insomnia Relief

The best yoga for insomnia includes less difficult forms of yoga, such as restorative or hatha. These asanas improve mood, calm your mind, and promote restful sleep.

Here are the top yoga asanas you could try before going to bed:

• Legs Up the Wall (Viparita Karani)

Sit with your legs straight out in front of you while leaning sideways against a wall. Then swing the legs up and across the torso to rest on the wall as you exhale and lower your upper body to the floor. Keep your arms by your sides with your palms facing up.

• Corpse Pose (Savasana)

Lie in bed or on your yoga mat and place your feet hip-width apart. Keep your arms relaxed and your neck, spine, and head aligned. This pose helps release any tension from your body. Concentrate on your breathing and hold this posture for 10-15 minutes.

• Seated Forward Bend (Paschimottanasana)

Sit with your legs straight in front of you and bend at the hips to lean forward. Loosely place your hands on your feet while keeping your toes facing upward. Extend your chest with each inhale, and lean a bit more into the forward bend with each exhale. Keep doing that until your head touches your knees. Hold the posture for two minutes and repeat.

• Alternate Nostril Breathing (Nadi Shodhana)

Sit with your legs crossed, raise your right hand to your nose, and shut your right nostril with your thumb after a full exhale. After taking a breath through your left nostril, shut it with your finger, remove your thumb from the right nostril, and breathe out. After taking a breath, shut your right nostril, remove your finger from your left nostril, and breathe out. Keep repeating this cycle for five minutes or more.

• Reclining Bound Angle Pose (Supta Baddha Konasana)

Lie down on the yoga mat to start this asana. Take a breath, bend your knees, and bring your feet together. Draw in your heels towards your groin area as much as you can. Next, release your breath and let your knees drop toward the floor while keeping your feet together. Hold this position for 30 seconds.

• Deep Breathing (Pranayama)

Sit down with your legs crossed and inhale deeply and slowly. Hold your breath for five seconds and exhale through your lips. Focus on your breathing to calm your mind. Repeat this pattern for 10-15 minutes.

Conclusion

Taking pills to fall asleep is not a sustainable practice. Commit to yoga instead to naturally reduce the symptoms of insomnia. Practice asanas for 10-15 minutes every night before bed to benefit from yoga’s calming effects. Also, consult your healthcare provider and arrange a health insurance policy to cover treatment 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.

Parkinson's disease affects muscle movements, balance, thinking ability, brain functions, and mental health. Yoga can significantly influence Parkinson's disease symptoms by enhancing flexibility, coordination, and mental health. Yoga for Parkinson's can also treat problems such as diminished grip strength, stiffness, and tremors.

Best Yoga Poses for Parkinson’s Disease

Yoga for Parkinson's disease has gained popularity worldwide because of the benefits it offers.  Here are the best asanas for Parkinson’s disease:

• Mountain Pose

The mountain pose enhances the body’s awareness and postural alignment. Stand with your feet together, hips straight, and the ribs raised. The chin is tucked slightly toward the sternum, and the neck is aligned with the spine. Keep the arms by your sides, relax, and breathe in and out.

• Upward Salute

In this pose, you begin in the mountain pose and then lift the arms straight upwards. The palms are joined together with the head slightly tilted back. Look toward your hand and take long, deep breaths. 

• Standing Forward Bend

Stand straight, and then bend forward until your head is touching your knees. The tips of the fingers are positioned near the toes on the ground, and the eyes are looking down. If you cannot touch your knees with your head, at least your thighs and the chest should be touching.

• Warrior II

Begin in a standing pose with the legs spread out into a broad stance. Just above the ankle, the right knee is flexed to a 90-degree angle, and the left leg is straight and stretched. Keep your hips tucked in, the ribs raised, and the arms stretched straight out to the sides and parallel to the shoulders.

• Tree Pose

In this pose, you stand straight, place your left foot firmly on the ground, and the right heel firmly planted in the left inner thigh. Keep your chin and pelvis in a line, join your palms, and raise them to chest level.

• Locust Pose

Lie face down, lock your fingers behind you, and raise your chest from the ground. Now, start raising your legs while keeping your hips planted on the floor. Keep breathing and hold this pose for 15 seconds before repeating.

• Child's Pose

Sit with your legs beneath your hips and start stretching forward. Place your forehead on the ground while keeping your arms straight and your palm touching the floor. Stay in this pose for as long as you can.

• Reclining Bound Angle

Start in the Savasana pose and slowly bend your knees without lifting them off the floor. Join your feet together, arms relaxed on the floor with your palms facing up.  

Conclusion

Parkinson's disease is a chronic condition without a medical cure, but with regular exercise and yoga, one can control the symptoms. Yoga is more advantageous since it promotes mental health as well as physical healing. Yoga asanas improve conditions such as depression, stress, anxiety, and motor functions in Parkinson's patients.

Remember to choose a health insurance policy catered to Parkinson's patients.

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.

Asthma is a long-term lung condition that damages the airways and causes breathing problems, coughing, wheezing, and shortness of breath. Keeping it in control with asanas for asthma is a better management method.   

Best Yoga Poses for Asthma

Yoga for asthma is highly beneficial since it has no side effects and improves your overall health as well. It offers a therapeutic impact on asthma patients when practised regularly. However, you shouldn’t practice yoga during an asthma attack.

Here are the best asanas that you should practice for asthma control. 

• Setu Bandhasana/Bridge Pose

Lay down on the floor on Shavasana Pose to begin the asana, and place your feet flat on the floor while bending your knees. Now, firmly place both of your hands on either side of your torso, and gradually attempt to raise your body into the air while maintaining your weight on both hands and feet. Hold this position for 20 seconds and then return your body to Shavasana Pose.

• Bhujangasana/Cobra Pose

Lay face down on the floor and place both hands near your ears. Stretch your back and abdominal muscles as you gradually raise your body from the torso by applying pressure to your palms. Stay in this position for 15-30 seconds, exhale, and then return to the face-down position.

• Pawanmuktasana/Wind-Relieving Pose

Take the Savasana position and bring both your knees up to your chest as you inhale. Try to bring your nose as near to your knees as you can while encircling your legs with your arms. Remain in this pose for 30 seconds. After that, return to the Savasana pose while breathing out.

• Ardha Matsyendrasana/Sitting Half Spinal Twist

Sit on the floor while keeping your spine straight. Place the sole of your left foot next to your right hip, bending your left leg. Bend your right leg but keep it flat on the floor. With your right hand behind you, place your left hand on your right foot, and look over your right shoulder by turning your waist, shoulders, and neck to the right. Maintain this posture while continuing to breathe in and out. 

• Sukhasana/Cross-legged Sitting Pose

Sit with your back straight, keeping each foot beneath the opposing knee. Raise your shoulders towards your ears during inhalation. Lower them during exhalation but maintain a straight posture from head to pelvis. Keep your palms closed, and set your hands on your knees while breathing regularly.

Conclusion

Asthma has no permanent cure, but you can successfully control the condition with lifestyle changes and regular yoga practice. The yoga poses for asthma mentioned here are not too hard, even for beginners, and they work wonderfully in asthma patients. Remember to begin with the simplest pose and only after you have mastered that try practising the more difficult poses. Always consult a doctor and get a health insurance policy to cover medical costs.

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

Migraines are recurring headaches characterised by a throbbing pain on one side of the head. Certain lifestyle changes, including regular yoga practice, can help manage migraine symptoms.

Best Yoga Poses for Migraine Relief

The most basic reason why yoga can help in providing migraine relief is because it helps reduce stress, which often is a migraine trigger. However, not all asanas are suitable for people with migraine, particularly those that are vigorous in nature. The following yoga poses for migraines have been established to be effective in managing conditions of migraine:

• Child pose or Balasana: This yoga asana is a prime stress reliever and is, therefore, recommended to get relief from migraines. Additionally, its occurring as a forward bend pose establishes its inherently relaxing nature that can be key in alleviating the experience of intense pain and discomfort. The child pose is also very effective in calming down the nervous system, making it even more efficient in migraine management.
• Bridge pose or Setu Bandha Sarvangasana: This yoga for migraine asana manifests as a backbend and thus works in a manner opposite to the balasana in providing relief from migraine. It releases tension in the back area, including the neck, shoulders and spine. The pose helps calm the brain, reduces anxiety, and provides immediate relief from pain.
• Downward-facing dog or Adho Mukha Svanasana: The downward-facing dog yoga pose employs the principle of inversion to relieve migraines. This pose requires the head to be lower than the heart, which helps promote blood circulation. This increased blood flow to the brain helps release strain and relieve headaches.
• Corpse Pose or Shavasana: This is one of the most relaxing yoga poses for migraine and is particularly effective when performed alongside deep breaths. Besides, it helps calm down the nervous system and is very simple to perform, making it work like a magic remedy for migraines.
• Cat-Cow Pose or Bitilasana: A calming yoga pose to perform when you are bothered by a migraine bout, it helps to relieve tension in the upper body. Additionally, it also boosts circulation and alleviates stress through its gentle massaging action that creates an emotional balance and puts the mind and body to rest.

Conclusion

Performing the yoga poses for migraine relief can help you deal better with episodes of severe headaches. It is also essential to opt for health insurance plans that cover your medical needs for a stress-free life and uncompromised quality of treatment.

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.

Summer is a sunshine season, one marked by outdoor activities and relaxation. However, the rising temperatures during this time come with some health challenges. Staying healthy during this season requires some mindful practices.

By following various health tips for summer, you can continue to enjoy the season. Read on to discover some simple summer health tips that can keep you feeling your best.

Health tips for summer season

To beat the heat during this season, embrace summer tips for health and focus on the following:

1. Stay hydrated

One of the most essential summer health tips is to drink plenty of water. High temperatures can cause dehydration, causing fatigue, headaches and dizziness. Aim to drink 8-10 glasses (minimum) of water daily to prevent dehydration.

2. Eat light

Heavy meals may make you feel sluggish in the heat. Opt for light and fresh seasonal fruits and vegetables that are easy to digest like berries, cucumber, watermelon and ladyfinger. These foods contain essential vitamins, minerals and antioxidants that can boost your immunity.

3. Protect your skin

Before stepping out, ensure you apply a broad-spectrum sunscreen with SPF 30 or higher. Reapply every two hours, especially if you are sweating or swimming.

Wear hats and sunglasses to provide additional protection and limit exposure to the sun between peak sun hours.

4. Exercise safely

Summer does not mean you should skip workouts. Opt for early morning or late evening exercises when temperatures are cooler. Avoid strenuous workouts during peak heat hours. Swimming is also a great way to stay fit and cool. If you prefer indoor exercises, consider yoga to stay fit without overheating.

5. Maintain personal hygiene

The heat and sweat can increase the risk of bacterial infections. Shower twice daily and keep your surroundings hygienic. Wear light-coloured, loose-fitting clothes made from breathable fabrics like cotton.

Conclusion

While summer is a time to enjoy, prioritising your health is essential. These simple summer health tips can help you stay cool and make the most of the season. Neglecting precautions can lead to heatstroke, dehydration and infections. This is why taking preventive measures and opting for routine medical check-ups is important, as they allow for early intervention and timely treatment.

Comprehensive health insurance plans ensure financial coverage for consultations, diagnoses and treatments. Additionally, critical illness insurance protects against severe medical conditions that may require extensive 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.

With rising temperature and humidity levels during the summer, many experience increased acne breakouts. Sweat, excess oil production, and pollutants can clog pores, causing pimples and irritation. To manage acne during summer, you need a combination of skincare practices, healthy lifestyle choices, and preventive measures.

Do you want to know how to prevent acne in summer? Well, then check this blog to learn how to prevent summer acne.

How to prevent acne in summer?

To control acne in the summer, you must combine skincare routines, lifestyle adjustments and dietary changes. Here are some tips to help manage summer acne:

• Keep your skin clean: Wash your face with an oil-free cleanser to remove dirt, sweat, and excess oil. It can help clean the pores and prevent breakouts.
• Use lightweight and non-comedogenic products: Choose water-based, non-comedogenic moisturisers and sunscreens to avoid clogging pores.
• Avoid touching your face: Hands carry bacteria that can aggravate acne, so avoid touching or picking at your skin.
• Exfoliate regularly: Gentle chemical exfoliants remove dead skin cells and open clogged pores.
• Follow a healthy diet: Eating fresh fruits and vegetables and avoiding oily or sugary foods helps clear your skin.
• Try a turmeric and aloe vera face pack: Tumerics's antibacterial and anti-inflammatory ingredient properties help reduce acne and brighten the skin. On the other hand, aloe vera soothes irritation and hydrates the skin. Combining these ingredients in a face pack is an effective summer acne home remedy for clearer skin.

Conclusion

Preventing summer acne requires a proactive skincare routine, healthy habits, and proper hygiene. While mild breakouts can be managed with preventive measures, severe acne, often caused by hormonal imbalances, medication side effects, or underlying health conditions like PCOS or thyroid disorders, may require medical intervention.

Consulting a dermatologist for persistent or cystic acne is essential to prevent long-term skin damage. A comprehensive health insurance plan covering dermatological care ensures timely and affordable treatment. Additionally, having health insurance for parents can help manage various age-related skin and health conditions, ensuring the entire family gets the necessary medical attention when needed.

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.

When discussing employee compensation, two common terms often arise: perquisites vs allowance. While both provide benefits to employees, they serve different purposes and have distinct characteristics.

Understanding the difference between perquisites and allowances is crucial for employers and employees to ensure proper financial planning and compliance with tax regulations.

This article explores allowance vs perquisites and highlights their key differences.

Definition of allowances

Allowances are fixed monetary benefits employers provide to employees at regular intervals in addition to their basic salary. These are typically meant to cover specific expenses incurred while performing job-related duties.

Allowances are monetary and are usually paid regularly, such as monthly or annually. Common examples include:

• House Rent Allowance (HRA)
• Travel Allowance
• Dearness Allowance
• Medical Allowance

Definition of perquisites

Perquisites, commonly referred to as perks, are additional benefits or facilities employers provide to employees beyond their salary. Unlike allowances, perquisites are often provided in kind rather than in cash.

These benefits are usually meant to improve the employees’ standard of living and job satisfaction. Examples of perquisites include:

• Company-provided housing or car
• Free or subsidized meals
• Club memberships
• Stock options
• Employer-sponsored health insurance plans

Difference between allowances and perquisites

While both allowances and perquisites serve as financial benefits, they differ in several key aspects:

In terms of perquisites and allowances in income tax, perquisites are generally considered a taxable benefit, whereas allowances may have partial exemptions based on specific conditions.

Conclusion

Both allowances and perquisites are pivotal in employee compensation, but they serve different functions. While allowances provide a fixed monetary sum for job-related expenses, perquisites typically offer non-monetary lifestyle benefits to improve employee well-being.

Employers must understand these differences to design effective compensation packages, and employees should be aware of the tax implications of these benefits.

Whether travel expenses, free meals or health insurance plans, each component adds value to the overall salary structure, ensuring a well-rounded employment experience. You can choose from a variety of plans, including individual health insurance, senior citizen health insurance and more, based on your specific needs.

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.  

Taxation is a crucial aspect of financial management. One important component of income tax is perquisites in income tax, often referred to as perks or fringe benefits. These are additional benefits an employer provides to an employee over their regular salary.

These benefits can be monetary or non-monetary and are crucial to an employee’s compensation package. Read on to discover the meaning and types of perquisites in income tax.

What are the perquisites in income tax?

These perks include rent-free accommodation, company-provided cars, loans at concessional rates and health insurance.

Some perquisites are taxable, while others may be tax-exempt, depending on their classification under the Income Tax Act. The taxability of these benefits depends on their nature and the conditions under which they are provided.

Types of perquisites in income tax

The types of perquisites in income tax can be classified into the following key categories:

1. Taxable perquisites

These are benefits provided by the employer that are fully taxable as part of an employee’s income, including:

• Rent-free accommodation provided to an employee: If an employer provides accommodation, the value of the benefit is added to the employee’s taxable income.
• Loan to employees at a concessional rate: If an employer provides a loan at a lower interest rate than the market rate, the difference in interest is considered a taxable perquisite.
• Medical allowance: The amount is taxable if an employer reimburses medical expenses without following the exemption rules.
• Monetary perquisites: These include allowances or reimbursements for personal expenses such as travel, entertainment or club memberships.

2. Perquisites taxable only by employees

These perquisites are added to the taxable income of employees but are not taxed at the employer’s end. Examples include:

• Insurance premium paid by the employer: If an employer pays for an employee’s individual health insurance, it may be considered a taxable benefit unless it qualifies for exemption.
• Fringe benefits: Certain employer-provided benefits, such as stock options or bonuses, may be taxable only in the hands of employees.

Conclusion

Understanding the perquisites types in income tax is crucial for employees and employers. While some perquisites provide tax exemptions, others may increase an employee’s taxable income. Maintaining proper documentation and understanding tax regulations ensure accurate reporting, help avoid unnecessary tax burdens and enable more effective compensation structuring.

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.  

While green tomatoes might not look as appealing as red ones, they still have an impressive nutritional profile and health-boosting properties. Many people are unaware of the benefits of green tomato, but adding them to your diet can contribute to overall well-being.

Read on to understand the  

Nutrition in green tomatoes

The green tomato nutrition profile is impressive. They are rich in:

• Vitamin C: Boosts immunity and skin health
• Vitamin K: Essential for blood clotting and bone strength
• Potassium: Regulates blood pressure and supports heart function
• Fibre: Aids digestion and promotes gut health
• Antioxidants (Chlorogenic Acid & Tomatine): Help combat inflammation and oxidative stress

What are the health benefits of green tomatoes?

Some common benefits of eating green tomatoes include:

1. Supports heart health

One key benefit of green tomatoes is their contribution to cardiovascular health. Rich in potassium, green tomatoes help regulate blood pressure, reducing the risk of hypertension and heart disease.

Their antioxidant content also helps prevent oxidative damage to the arteries, improving circulation and overall heart function.

2. Boosts immunity

Green tomatoes contain vitamin C, a crucial nutrient for immune function. Regular consumption of foods rich in vitamin C enhances the body’s ability to fight infections and promotes wound healing.

3. Aids in digestion

The high fibre content in green tomatoes makes them an excellent food for digestion. Fibre promotes gut health by encouraging the growth of beneficial bacteria and preventing constipation.

4. Regulates blood sugar levels

Green tomatoes have a low glycemic index and contain compounds that help regulate blood sugar levels. This makes them beneficial for people with diabetes or those looking to manage their sugar intake effectively.

5. Supports bone health

Vitamin K, present in green tomatoes, is crucial for bone health. It enhances calcium absorption, making green tomatoes a great addition to a diet focused on maintaining strong bones.

Conclusion

Adding green tomatoes to your diet can offer significant health benefits. To further support your well-being, combine good nutrition with regular exercise, a balanced diet and proactive care. Routine medical checkups also play a key role in early detection and treatment.

An appropriate medical insurance policy can help cover the costs of consultations and treatment. Additionally, health insurance for family ensures your loved ones can access quality care when needed, providing peace of mind and financial security.

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.

Cape gooseberries, also known as golden berries, are golden-orange berries rich in essential nutrients and antioxidants.  These tangy-sweet berries are delicious and offer numerous health benefits.

Read on to discover some of the benefits of cape gooseberry.

What are cape gooseberries?

Cape gooseberries are tropical fruits from the nightshade family, closely related to tomatoes and eggplants. They can be eaten fresh, dried or used in jams, desserts and salads, making them a versatile addition to any meal.

Nutrition in cape gooseberry

The cape gooseberry nutrition profile is impressive, offering various essential nutrients. It contains:

• Vitamin C: Supports immune function and skin health
• Vitamin A: Enhances vision and supports cell growth
• B Vitamins: Aid in metabolism and energy production
• Antioxidants: Combat oxidative stress and inflammation.
• Fibre: Supports digestion and gut health
• Iron: Aids oxygen circulation in blood and prevents anaemia

Cape gooseberries’ benefits

Here are some reasons to incorporate cape gooseberries into your diet:

1. Supports immune health

The vitamin C content in cape gooseberries can enhance immune function by stimulating white blood cell production. Regular consumption can help the body fight infections more effectively.

2. Promotes heart health

These berries contain anti-inflammatory compounds and antioxidants that may help lower bad cholesterol levels and regulate blood pressure. By reducing oxidative stress in blood vessels, they support cardiovascular health.

3. Enhances skin health

One of the significant cape gooseberry benefits for skin is its ability to boost collagen production and promote a radiant complexion. These berries contain Vitamin C and antioxidants that help reduce wrinkles, fight free radicals and improve skin elasticity.

4. Strengthens hair

Cape gooseberry benefits for hair stem from its rich vitamin A and iron content, which promote scalp circulation and prevent hair thinning. Regular consumption may contribute to stronger, shinier hair while reducing hair fall and breakage.

5. Supports digestive health

Cape gooseberries contain fibre that promotes smooth digestion, helps prevent constipation and supports a healthy gut microbiome.

Conclusion

Cape gooseberries are packed with essential nutrients and offer a range of health benefits, supporting the immune system, heart, skin, hair and digestion. While good nutrition is key, it should be complemented by regular physical activity, mindfulness and preventive care for overall well-being.

An appropriate health insurance policy can help cover early detection, consultations and treatment, providing financial support in case of unexpected medical needs. Additionally, consider acquiring health insurance for parents to ensure their healthcare needs are well taken care of.

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. 

Red cabbage is a nutrient-rich vegetable packed with vitamins, minerals, antioxidants and fibre. It is a popular choice for health-conscious individuals and is widely appreciated for supporting digestion, boosting immunity and reducing inflammation. However, despite its many benefits, red cabbage may not be suitable for everyone, especially when consumed in excess.

This article highlights the side effects of red cabbage.

Red cabbage side effects

While red cabbage is generally safe, overconsumption or individual sensitivities may cause adverse reactions. Red cabbage side effects include:

1. Digestive issues

Red cabbage is high in fibre, which can sometimes cause digestive discomfort. Consuming large amounts may cause bloating, gas or stomach cramps, especially for individuals with irritable bowel syndrome (IBS).

2. Thyroid interference

Cruciferous vegetables, including red cabbage, contain goitrogens, compounds that can interfere with thyroid function by inhibiting iodine absorption. Individuals with hypothyroidism should moderate their intake of raw red cabbage to avoid worsening their condition.

3. Blood sugar fluctuations

Red cabbage is known to have blood sugar-regulating properties. While this is beneficial for diabetics, it may cause complications for individuals taking blood sugar-lowering medications. Consuming large quantities without medical guidance could lead to hypoglycemia (low blood sugar).

4. Allergic reactions

Although rare, some individuals may be allergic to red cabbage. Symptoms of an allergic reaction may include itching, swelling, skin rashes or difficulty breathing. If you notice any of these symptoms after consuming red cabbage, seek medical attention immediately.

5. Drug interactions

Red cabbage contains vitamin K, which is crucial for blood clotting. This can interfere with blood-thinning medications such as warfarin, reducing their effectiveness. If you are on anticoagulant medication, consult your doctor before increasing your intake of red cabbage.

When to avoid eating cabbage?

Although red cabbage is rich in nutrients, certain individuals should limit or avoid its consumption:

1. If you have thyroid disorders.
2. If you are taking blood thinners like warfarin.
3. If you are prone to digestive discomfort.
4. If you have food allergies.
5. If you are a diabetic on medication.

Conclusion

While red cabbage is a nutrient-dense food with numerous benefits, it may not be suitable for everyone. Understanding the side effects of red cabbage can help you make informed dietary choices. Investing in health insurance plans can help you manage medical concerns effectively. For older adults, senior citizen health insurance may provide medical and financial support to handle medical expenses and ensure peace of mind.

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. 

Red cabbage is a vibrant and nutritious vegetable often overlooked in favour of its green counterpart. This nutrient-dense vegetable contains vitamins, antioxidants and fibre that provide numerous health benefits.

Read on to discover the various advantages of red cabbage.

About red cabbage

The red cabbage, also known as purple cabbage, belongs to the Brassicaceae family. Its deep purple hue comes from anthocyanins, powerful antioxidants that contribute to many of its health benefits.

Red cabbage also has a slightly peppery taste and a crisp texture, making it a popular choice for salads, coleslaws and fermented dishes like sauerkraut.

Health benefits of red cabbage

Some of the benefits of eating red cabbage include:

1. Rich in antioxidants

One of the significant health benefits of red cabbage is its high antioxidant content. The anthocyanins and other flavonoids in red cabbage help combat oxidative stress, reducing inflammation, signs of ageing and the risk of chronic diseases.

2. Supports digestive health

Red cabbage has a high fibre content, which promotes a healthy digestive system by supporting gut-friendly bacteria and aiding in regular bowel movements. Consuming red cabbage regularly can help prevent constipation and promote a balanced gut microbiome.

3. Boosts immune function

Red cabbage contains vitamin C, an essential nutrient for a strong immune system and skin health. This vitamin helps stimulate white blood cell production and enhances the body’s ability to fight infections.

4. Promotes heart health

The anthocyanins in red cabbage have been linked to improved heart health. They help reduce inflammation, lower blood pressure, and prevent plaque buildup in the arteries, reducing the risk of cardiovascular diseases.

Is it good to eat red cabbage every day?

Incorporating red cabbage into your daily diet can be beneficial. However, excessive consumption may lead to digestive discomfort due to its high fibre content. For a well-balanced diet, it's best to enjoy a variety of vegetables.

Conclusion

Beyond its vibrant colour and satisfying crunch, red cabbage is both versatile and nutrient-dense. Whether enjoyed raw, fermented or cooked, its health benefits make it a valuable addition to any diet. Maintaining overall well-being requires a holistic approach that includes a balanced diet, regular exercise and preventive care. An appropriate individual health insurance plan can help cover the cost of consultations and treatments, providing peace of mind and financial security.

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. 

Sleep is a fundamental part of our daily lives that influences physical recovery, cognitive function, mental clarity and immune system strength. However, many people are unaware of the complex processes that occur when they rest.

Sleep is not a uniform state but rather a cycle consisting of different stages of sleep. Understanding these stages can help manage sleep-related disorders, improve sleep quality and boost productivity. Read on to understand the various stages of sleep.

Different stages of sleep

Sleep is divided into two main categories: Non-Rapid Eye Movement (NREM) and Rapid Eye Movement (REM) sleep. These two categories have five stages of sleep, including:

1. Wake stage

In this stage, the body transitions through the wake stage between wakefulness and sleep. This phase includes relaxed wakefulness and drowsiness as the body slows down in response to sleep cues.

Muscle activity begins to slow and brain waves shift from alertness (beta waves) to relaxation (alpha waves).

2. Stage N1

Stage N1 lasts only a few minutes as the body begins to relax. The heart rate slows, muscles relax and brain waves shift to a more rhythmic pattern. Although this stage is brief, it is essential for preparing the body for deeper sleep cycles.

People in this stage may experience sudden muscle jerks or the sensation of falling.

3. Stage N2

Stage N2 is the longest sleep phase, constituting about 45% of the sleep cycle. During this stage, the body temperature drops, breathing and heart rate stabilise and brain activity slows.

4. Stage N3

Also known as slow-wave sleep (SWS), this stage is crucial for physical recovery. The body repairs tissues, strengthens the immune system and releases essential growth hormones. Deep sleep also supports metabolic health.

5. REM sleep

The REM stage is characterised by rapid eye movements, increased brain activity and vivid dreams. This stage is essential for emotional regulation, learning and memory consolidation.

Conclusion

Understanding the different stages of sleep helps you understand the importance of quality rest. Poor sleep can cause long-term health issues. If you are struggling with sleep issues, consider making lifestyle adjustments like maintaining a consistent bedtime, reducing screen time and ensuring a comfortable sleep environment.

Supporting these habits with a balanced diet, regular exercise and routine medical check-ups can further enhance overall well-being. Early detection plays a key role in long-term health and having the right individual health insurance can help cover medical costs and treatments.

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.

Organic food has become significantly popular, with more and more people preferring organic products due to their health benefits and environmental sustainability. Understanding the benefits of organic food helps make better dietary choices, leading to a healthier lifestyle. It is also beneficial for the environment, as organic farming promotes biodiversity and reduces pollution caused by synthetic chemicals.

What is organic food?

When we define organic food, it refers to fresh food that is grown without synthetic chemicals, including human-made pesticides, fertilisers, and food that does not contain genetically modified organisms (GMOs).

Organic farming practices focus on:

• Natural fertilisers like compost and manure
• Crop rotation and biological pest control
• No synthetic pesticides, herbicides, or fungicides
• Ethical treatment of animals, including organic feed and no antibiotics

The definition of organic vegetables also follows these principles, ensuring they are cultivated naturally. They tend to have higher nutrient content without harmful residues.

Conclusion

Understanding the organic food meaning helps consumers make informed choices. Opting for organic produce supports sustainable farming, reduces exposure to chemicals, and promotes better health. A health insurance policy can also safeguard overall well-being by covering potential health-related concerns. Choosing organic food contributes to a healthier lifestyle, benefiting both individuals and the environment.

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.

Are you aware that a healthy range for vitamin D is crucial for your health? It aids calcium absorption, supports muscle function and strengthens your immune system. Vitamin D test is your best bet if you want to ensure vitamin D normal range in your body. It measures 25-hydroxyvitamin D, the most stable and accurate indicator of Vitamin D in your body.

Normal results in a vitamin D test

Understanding the result of your 25-hydroxy vitamin D test can sometimes be challenging due to the different standard ranges used by laboratories. Here is what you need to know about appropriate vitamin D levels:

• Typical range: The generally accepted normal range for 25-hydroxy vitamin D is between 20 to 50 ng/mL (nanograms per millilitre). Many health experts recommend maintaining D vitamin normal levels between 30 to 50 ng/mL for optimal health.
  
  
• Unit conversion: It is common to see vitamin D levels reported in nanomoles per litre (nmol/L) as well. To convert values from ng/mL to nmol/L, multiply by 2.5. Understanding this conversion is vital for accurately interpreting test results that may be presented in different units.
  
  
• Laboratory variations: The normal value for vitamin D might differ slightly among laboratories. They consider the normal based on their specific testing methods and equipment calibrations. Some laboratories might define the normal range of 25 hydroxyvitamin D as broad as 20 to 100 ng/mL (or 50 to 250 nmol/L). This underscores the importance of discussing your specific results with your doctor to understand the implications fully.
  
  

Conclusion

25(OH)D normal range can vary based on personal health conditions, age, geographic location, and lifestyle. Regular check through vitamin D tests can help you avoid deficiencies that might lead to serious health issues. In case of any medical conditions, good health insurance can support your ongoing treatment and health management.

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 ever wondered vitamin D test is for what purpose?  The examination provides a clear picture of vitamin D stores in the body over time. The test focuses on measuring 25-hydroxyvitamin D levels, the most stable form of vitamin D in the blood.

Vitamin D test is key in determining whether your levels are healthy or if supplementation might be necessary.

Why do I need a vitamin D test?

A vitamin level test may be needed in the following scenarios:

• Medical conditions: A vitamin D test is recommended if you have been diagnosed with or are at risk for conditions like osteomalacia and osteoporosis, which cause bone pain and muscle weakness. It may also be advised for individuals with Crohn’s disease, celiac disease, liver or kidney disorders, as these conditions can affect nutrient absorption and vitamin D metabolism.
  
  
• Risk factors for deficiency: Many lifestyle and environmental factors can lead to low vitamin D levels. For example, your body's ability to produce the vitamin can be significantly reduced if you spend a lot of time indoors, live in northern climates with limited sunlight or rigorously apply sunscreen.
  
  
• Dietary habits: The test can guide supplementation needs if your diet lacks sufficient vitamin D.
  
  
• Monitoring and adjustment: If you are already taking supplements, especially in high doses, your doctor might recommend testing to ensure your vitamin D levels are in a healthy range. High levels of vitamin D could lead to toxicity.

• Special populations: Certain groups are more vulnerable to vitamin D deficiency. For instance, exclusively breastfed infants may need vitamin D supplements since breast milk might not provide enough of the vitamin. Similarly, older adults whose skin does not synthesise vitamin D as effectively might need regular testing.

Conclusion

Testing vitamin D levels is a preventive strategy to safeguard your well-being. Vitamin deficiencies are a treatable condition. However, if it goes undetected, it may lead to serious health issues. Treating health conditions can be expensive considering the rising medical cost in India. In such a situation, having a reliable health insurance can help cover pre and post-hospitalisation charges and treatment 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.

Yoga, an ancient practice rooted in India, harmonises the mind and body, serving as a powerful tool for relieving stress and anxiety. Among its many poses, Supta Baddha Konasana, or Reclining Bound Angle Pose, is particularly beneficial for stretching the inner thighs and groin. Performed in a relaxed, reclined position, this pose promotes flexibility, relaxation, and overall well-being.

What are the benefits of Supta Baddha Konasana?

This asana combines gentle stretching, deep relaxation, and mindful meditation, making it a valuable addition to any yoga practice. Read on to discover the many benefits of Supta Baddha Konasana and how it can enhance your overall well-being:

1. Improving sleep: Supta Baddha Konasana is perfect for those struggling to fall asleep. Practicing this asana helps reduce stress on the nervous system and calms the mind, thereby inducing sleep.

2. Blood circulation: This asana helps improve blood circulation by elevating the body and opening the chest. Regular practice of Supta Baddha Konasana benefits heart health.

3. Reduce stiffness: If practiced with perfect alignment and longer duration, this asana can help reduce stiffness and improve flexibility around knees, thighs, and ankles.

4. Menstrual discomfort: Supta Baddha Konasana can help alleviate menstrual discomfort by stretching the lower abdomen and improving blood flow to the pelvic area.

5. Prostate health: In men, this asana helps improve prostate health by increasing blood circulation in the pelvic region. This, in turn, helps alleviate conditions such as prostatitis.

6. Lung capacity: This yoga pose benefits those wanting to improve their respiratory health as it helps open the chest and diaphragm and promotes relaxed breathing.

7. Digestive health: By applying mild pressure on the belly, this pose helps relieve bloating and discomfort associated with digestive issues. Supta Baddha Konasana promotes healthy functioning of the digestive system.

8. Hormone balance: By reducing stress levels, this asana helps improve hormone balance. It also helps in overall hormone health by regulating the endocrine system.

9. Pregnancy: In pregnant women, this pose relieves lower back pain and helps the body prepare for labour by opening the hips, pelvis, and inner thighs.

10.  Posture correction: Supta Baddha Konasana helps eliminate slouching and encourages an ideal way of sitting by stretching the chest and opening the shoulder and upper back.

Conclusion

While yoga offers numerous benefits, including relaxation, flexibility, and stress relief, it should be complemented with proper medical care for overall well-being. Alternative therapies like yoga can support a healthy lifestyle, but they work best alongside preventive healthcare measures such as regular check-ups and screenings. Having the right health insurance ensures access to these essential services, covering routine care and unexpected medical needs.

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