Endometriosis is a chronic gynaecological condition that commonly affects women of reproductive age. It is characterised by pelvic pain, heavy periods, abdominal discomfort, fatigue and other symptoms.

Best Yoga Poses for Endometriosis

Yoga can help with endometriosis by reducing stress and anxiety, improving pelvic floor strength, relaxing abdominal and pelvic muscles and regulating hormones. Practising restorative yoga poses can help immensely in dealing with endometriosis symptoms. Some of the most helpful yoga poses are:

• Restorative Goddess Pose or Supta Baddha Konasana: This yoga pose is most effective in dealing with endometriosis symptoms of pelvic pain and abdominal tightness by opening up the inner thighs, hips and the area around the chest. It also helps balance the nervous system and provides additional relief from discomfort.
• Child’s Pose or Balasana: This is a gentle forward yoga asana that helps the mind and body relax. It also relieves the body by stretching the spine and hips, which helps alleviate period cramps.
• Garland Pose or Malasana: Among the best yoga for endometriosis poses, Malasana's benefits derive from its nature in Increasing flexibility and circulation. This is done through stretching of the lower back, hips, and thighs. It helps relax the stiff pelvic floor muscles, thereby alleviating pain and cramping while also addressing periods-related digestive issues.
• Three-part breath or Dirga Pranayama: Unlike the other yoga poses for endometriosis, the dirge pranayama technique helps ease Endometriosis symptoms through breathing. This is, in fact, one of the most effective yoga asanas for pain relief since it can be done while lying down. It works by stimulating the abdominal organs, including the ovaries, and therefore, directly affects the factors that facilitate Endometriosis.
• Reclined Butterfly Pose or Supta Baddha Konasana: The Reclined Butterfly yoga asana impacts the condition of endometriosis by relaxing and releasing the pelvic and groin muscles. This helps loosen the tissues and ligaments of the hip area and stretches the thighs, which leads to the release of the lower back area and relieves period pain.
• Sphinx pose or Salamba Bhujangasana: The Sphinx pose is another easy yoga for endometriosis pose that relies on the back bending technique to impart its many benefits. This makes for a gentle, soothing stretch that provides relief from the pain and discomfort around the lower back, which is commonly experienced as endometriosis pain.

Conclusion

Certain yoga asanas can help alleviate the symptoms of endometriosis, but it's important to stretch gently while performing them. Additionally, be sure to explore all available health insurance plans and choose a plan that offers comprehensive medical coverage to protect yourself against unexpected health issues associated with endometriosis.

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 looking for a natural way to cool your body, detoxify your system and improve digestion? Drinking vetiver water could be the perfect solution! Vetiver, also known as vetti veru and khus, is a medicinal herb widely used in Ayurveda for its calming, cooling and healing properties.

Whether you want to stay refreshed during summer, improve gut health or enhance skin health, the vetiver water benefits are truly remarkable. Read on to discover some of the benefits of vetiver water.

List of health benefits of vetiver water

Let’s explore the amazing benefits of vetiver water:

1. Natural body cooler
   One of the most well-known vetti veru water benefits is its ability to cool down the body naturally. It is highly effective in reducing body heat, making it a perfect drink for hot weather.
2. Detoxifies the body
   Vetiver water acts as a natural detoxifier, flushing out toxins from the body. It can help cleanse the liver and kidneys, promoting overall internal health and well-being.
3. Aids digestion
   If you frequently suffer from digestive discomfort, such as bloating, acidity or constipation, vetiver water can provide relief as it helps promote healthy gut bacteria.
4. Relieves stress and anxiety
   Vetiver has calming properties that can help reduce stress, anxiety and tension. Drinking vetiver water regularly can help improve sleep quality and promote mental relaxation.
5. Enhances skin health
   The antibacterial properties of vetiver water help in reducing acne, improving skin texture and keeping the skin hydrated.
6. Boosts immunity
   Vetiver water is rich in antioxidants, strengthening the immune system and protecting the body from infections. Regularly consuming it can help you stay healthy and fight seasonal illnesses.
7. Supports respiratory health
   Vetiver has anti-inflammatory properties that help clear respiratory passages, making it beneficial for people suffering from cough, cold or asthma.

Conclusion

Drinking vetiver water is a simple yet effective way to cool the body, improve digestion and boost immunity. Its natural detoxifying and stress-relieving properties make it an excellent addition to a healthy lifestyle. However, while natural remedies can help maintain good health, a balanced diet, regular exercise, and preventive treatment are crucial for long-term well-being.

An appropriate mediclaim policy covers the cost of consultations and treatment, ensuring financial protection against unforeseen medical expenses. Family health insurance ensures that your loved ones receive the best healthcare without financial stress.

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.

Looking for a simple yet powerful way to improve digestion, boost metabolism and strengthen immunity? Drinking black pepper water could be the perfect solution! Known for its potent medicinal properties, black pepper has been a staple in Ayurveda for centuries.

Whether you want to detox your body, enhance digestion, or promote weight loss, the black pepper water benefits are truly impressive. Read on to discover some of these benefits.

List of health benefits of black pepper water

Let’s explore why you should add this simple yet effective drink to your daily routine.

1. Boosts digestion
   One of the most well-known benefits of black pepper water is its ability to improve digestion. It stimulates the production of digestive enzymes, helping break down food efficiently and preventing issues like bloating and indigestion.
2. Aids in weight loss
   Black pepper with hot water benefits weight management. Black pepper has piperine, which boosts metabolism and may help burn calories faster.
3. Detoxifies the body
   Black pepper water acts as a natural detoxifier, flushing out toxins from the body. It helps cleanse the liver and promotes healthy kidney function, keeping your internal system free from harmful substances.
4. Enhances immunity
   Black pepper is packed with antioxidants and antibacterial properties, making it a great immunity booster. Drinking black pepper water regularly can help your body fight infections, colds and flu naturally.
5. Relieves cold and congestion
   If you're suffering from a sore throat or nasal congestion, drinking black pepper water with honey can provide instant relief. Its anti-inflammatory properties help clear mucus and ease breathing.
6. Regulates blood sugar levels
   Black pepper can improve insulin sensitivity, making it beneficial for people with diabetes.
7. Supports skin health
   The antioxidants in black pepper help reduce signs of ageing, clear acne and promote skin health. Drinking black pepper water regularly can contribute to healthier and brighter skin.

Conclusion

Drinking black pepper water is a simple yet effective way to enhance digestion, detoxify the body and boost immunity. However, while natural remedies keep you healthy, they must be supplemented with a balanced diet, exercise and medical checkups.

An appropriate medical insurance policy can cover the cost of these consultations and treatment, providing financial protection against unexpected health issues. Acquiring individual health insurance ensures you receive timely medical care without financial worries.

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

Kokum, a tropical fruit from India, is loaded with antioxidants and vital nutrients that contribute to overall well-being. This tangy and refreshing drink is commonly consumed to stay hydrated, aid digestion and support weight management.

Read on to discover the remarkable benefits of kokum water.

List of Health Benefits of Kokum Water

Let’s dive into why you should add Kokum water to your daily routine.

1. Aids digestion

Kokum is widely known for its digestive benefits. It helps soothe the stomach lining, prevent acidity and reduce bloating. Drinking Kokum water after meals can improve digestion and prevent gastric discomfort.

2. Helps in weight loss

One of the key kokum water benefits is its role in weight management.  Rich in hydroxycitric acid (HCA), it helps boost metabolism, making kokum water for weight loss a powerful and natural remedy.

3. Prevents dehydration

Kokum juice is a popular summer drink in India and is often consumed to prevent dehydration. It helps maintain body temperature and keeps the body cool during hot weather, reducing the risk of heatstroke.

4. Reduces inflammation

Kokum is also known to reduce inflammation in the stomach lining and may help prevent ulcers. Its anti-inflammatory properties make it beneficial for people suffering from gastritis or other digestive issues.

4. Boosts heart health

The antioxidants present in Kokum help lower cholesterol levels and support heart health. Regular consumption of Kokum water may help reduce the risk of cardiovascular diseases.

5. Improves skin health

The antioxidants and vitamin C in Kokum promote healthy skin by reducing pigmentation and preventing premature ageing.

6. Manages blood sugar levels

Kokum is beneficial for people with diabetes as it can help regulate blood sugar levels. Its natural compounds can support insulin function and help maintain glucose balance.

Conclusion

Drinking Kokum water is a simple and refreshing way to stay hydrated, improve digestion and support weight management. Whether you consume it for its cooling properties or to boost your metabolism, this drink offers multiple health benefits. However, while natural remedies help maintain good health, long-term health management also requires a balanced diet, frequent exercise and preventive healthcare.

Regular medical checkups and early detection are crucial for well-being. An appropriate health insurance plan can cover these costs and provide financial protection during medical emergencies. Additionally, acquiring family health insurance ensures that you and your loved ones get the best healthcare 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.

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 prior to 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 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.   

Trying to understand medical insurance plans for individuals with pre-existing conditions feels a bit like navigating a complex puzzle, doesn't it? We are mostly left wondering how our past health issues will fit into our new coverage plan. But here’s the good news — the insurance world is changing. Now, many individual health insurance plans are designed to include pre-existing conditions, and they offer a much-needed safety net. But then, too, each plan comes with its own set of rules about what is covered and what is not. We need to look into the specifics of these details. That way, we can ensure the plan we choose truly has our back and that it will provide the right coverage without any surprises down the line. 

Inclusions & Exclusions of Pre-Existing Disease Cover in Health Insurance 

When it comes to coverage for pre-existing conditions in health insurance, the specifics make all the difference. Inclusions typically encompass consultations, prescribed medications, diagnostic tests, and hospitalisations that are necessary to manage our pre-existing conditions. However, the exclusions warrant close attention. Most often, plans exclude coverage for treatments considered elective or not medically necessary, such as certain experimental therapies not widely recognised by the medical community. Also, some specific medications might not be covered, especially those with cheaper alternatives or over-the-counter versions. Another critical exclusion to note is the waiting period during which treatment for pre-existing conditions might not be covered at all, varying in length from plan to plan. It is also common for insurers to set limits on coverage for chronic conditions — this necessitates a thorough review to ensure our needs align with the plan's offerings. 

Pre-existing Diseases Waiting Period 

The waiting period for pre-existing conditions in health insurance varies between insurers. Any medical issues we had before the issuance of the plan will be covered only after completing the waiting period associated with a particular ailment as specified in the policy document. During this time — the time can range from a few months to 3 years. 

Some insurers might waive this waiting time for an additional premium. Review the terms and conditions of your healthcare plan, and contact your insurer to clarify if you have any doubts. The goal is to strike a balance and find a plan where the waiting period is the shortest or can be waived. 

Things to Consider Before Buying Health Insurance Plans that Cover Pre-Existing Conditions 
 

Selecting the right healthcare plan that covers pre-existing conditions demands more thought. The primary consideration should be the scope of coverage. We need to make sure it offers wide coverage to cover treatments and medications we might need. Some healthcare plans make us wait longer before they start covering pre-existing conditions. Read the plan’s terms and conditions carefully to understand when you can avail of the coverage. Try to find a plan with a short waiting period or one that offers a waiver. 

You must always disclose all pre-existing health issues that you have to the insurer. Giving incorrect facts or non-disclosure may lead to claim rejection and even cancellation of your policy. 

Weigh the cost of the premiums against the benefits of the plan. Check the insurer's reputation and track record for handling claims. A reliable insurer can make all the difference in stressful times. Consider the plan's flexibility to adapt to our changing health needs. Remember to shortlist and compare plans offered by various insurers and then pick an individual health insurance that covers pre-existing conditions. This will help you find the right plan that meets your needs as well as your pocket. 

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.   

Bike insurance covers the cost of repairs in the case of accidental damage to your bike. It also provides financial security for theft, natural disasters, fraud, and third-party liabilities. A bike insurance cover ensures your pocket doesn’t feel the financial setback when encountering unforeseen losses and damages. Regardless of personal or commercial use, a bike insurance policy protects any two-wheeler, whether a scooter, motorcycle, or sports bike. Third-party two-wheeler insurance is a legal requirement, as per the Motor Vehicles Act 1988. Opting for a comprehensive bike insurance online policy offers several add-on choices, such as zero depreciation cover, breakdown assistance, engine and gearbox protection cover, tyre protection, and more, to ensure complete coverage for your bike.  

Let us explore what does bike insurance cover in detail.  

Bike Insurance Policy Inclusions 

The following is a list of some inclusions covered by a bike insurance policy:

• Loss or damage due to natural disasters 

A comprehensive bike insurance policy covers damages/losses incurred due to floods, earthquakes, fire and lightning, storms, cyclones, typhoons, landslides, explosions, and self-ignition, among other things. However, you must check the list of inclusions in your policy under this category. 
 

• Personal accident cover  

 Stay financially secure with PA cover if you are a registered owner-driver of your two-wheeler. You can also extend the coverage to all co-passengers by paying an additional premium on your personal accident bike insurance policy. 
 

• Protection against man-made disasters 

 A bike insurance policy includes all types of man-made mishaps, from thefts to riots, strikes, mischief, external means-induced accidents, and even acts of terror. 

• Third-party liability 

 A bike insurance policy has your back when it comes to third-party liabilities (i.e., damage to a third-party property and injury/death to a third-party person) that involve your bike. With a comprehensive bike insurance plan, you will receive coverage for third-party liabilities as well as your own damage. 

• Additional benefits 

 Many insurers offer a range of extra benefits in the form of add-ons, such as coverage for roadside assistance and towing services. 

Conclusion

When it comes to bike insurance, whether you purchase it online or offline, the main thing is that you need to understand the full scope of the coverage provided for your vehicle. Besides offering financial security, bike insurance gives a sense of relief and provides a safety net against unforeseen circumstances like accidents, theft, natural disasters and third-party claims. 

By renewing your bike insurance online before it expires and taking adequate cover, you are adhering to legal requirements, protecting your investment, and ensuring peace of mind every time you ride on the road.

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.

Bipolar disorder is a mental health condition where people experience intense mood swings. These can range from feeling super energetic and high to feeling really down and low. These swings can mess with your sleep, energy, how you think, and even how you behave. It is not just something that happens now and then — these mood episodes can happen a few times a year or more frequently. Getting to know the different types of bipolar disorder is important because each type has its specific management and treatment. Knowing which type you might be dealing with helps you find the proper support and treatment. As health insurance plans cover mental illnesses, checking with your insurer can help you avail of quality care at the right time. 

What are the Types of Bipolar Disorder? 

 This mental health condition is characterised by significant mood changes grouped into three main types: Bipolar I, Bipolar II, and Cyclothymic Disorder. Recognising which type you or a loved one may be experiencing is crucial for effective management, whether through medication, therapy, or lifestyle changes. It is all about gaining stability and not letting any of these bipolar types turn your life upside down. 

• Bipolar I Disorder: Bipolar I is marked by intense manic episodes that last at least a week or require hospitalisation. These are not just mood swings. We are talking about extreme changes where someone might feel all-powerful or incredibly high, followed by potential severe depressive episodes. These episodes can be so disruptive that they significantly impact a person's daily activities and responsibilities. Imagine feeling so high that you don’t sleep for days, spend money recklessly, or make grand, unrealistic plans. Then, the crash comes sinking into a deep depression where even getting out of bed feels impossible. 
• Bipolar II Disorder: This type is less about the extremes of mania and more about a persistent pattern of depressive episodes and hypomania. Hypomania is a milder form of mania, not severe enough to cause hospitalisation or major impairment in work or social activities, but it is definitely noticeable. People might feel unusually confident, energetic, or irritable, and these feelings are distinct from their normal behaviour patterns. However, the upbeat phase is fleeting, and it is often followed by severe depression that can be longer and more debilitating than the highs of hypomania.
• Cyclothymic Disorder: Cyclothymia is often considered a milder but more chronic form of bipolar disorder, and it involves periods of hypomanic symptoms intermixed with bouts of mild depression. The mood swings are less severe than full-blown mania or major depression, but they are persistent and can last for extended periods, sometimes even for many years. While it might seem less severe, the ongoing nature of cyclothymic disorder can make it particularly challenging for many people to manage the ailment without consistent treatment. Cyclothymia can potentially escalate in severity and lead to full bipolar I or II disorders in some cases if it is left untreated.

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

A medical exigency can happen anytime, and the hospital bills can take away a significant part of your savings. However, if you are prepared with adequate health insurance, the insurer will cover the bills and ease your worries. This is why health insurance is important for all, including the young and healthy. It helps you opt for quality and timely treatment without fretting about the bills. Moreover, if you choose a comprehensive health insurance policy instead of a standard one, you can enjoy wide coverage and better financial security. Let’s talk about the importance of health insurance in detail. 

Importance of health insurance  

The following are some reasons why health insurance is important for everyone — 

• To opt for quality healthcare: Poor lifestyle habits, stress and high pollution levels weaken the immune system and lead to various health issues, like diabetes, respiratory diseases, obesity, and heart conditions. Since chronic diseases require long-term treatment, having health insurance can help. 

Many insurance providers also offer complimentary health check-ups. This is an important benefit that can help in the early detection of an underlying health condition and its timely treatment. 

• To deal with medical inflation: Healthcare costs are rising by the day, and even a minor medical procedure can create significant financial strain. However, if you have health insurance, the insurer will cover your hospital bills and associated expenses, such as pre- and post-hospitalisation bills, road ambulance charges, home healthcare, organ donor expenses, and daycare procedures. Many insurance policies also cover pre-existing conditions after a waiting period of 1 to 3 years. 
• Critical illnesses can strike anyone: Critical illnesses, such as cancer, heart disease, and stroke, require long-term treatment, and the medical bills can easily burn a hole in your pocket. However, if you have comprehensive health insurance, you can opt for a critical illness add-on for better financial security. This is particularly important for those with a family history of critical illnesses. 
• Timely healthcare for loved ones: Covering your financially dependent loved ones under a family floater or a senior citizen’s health plan can help you meet their healthcare requirements easily. If they need any medical treatment, you can choose the best for them.
• To safeguard your savings: A comprehensive health insurance policy covers hospital bills, home healthcare expenses, daycare procedures, AYUSH treatments, organ donor expenses, road ambulance charges, and more. Therefore, with health insurance handy, you will not have to dip into your savings to pay the bills.

Conclusion  

Health insurance undoubtedly is an important investment that offers a host of benefits to policyholders. With a health plan handy, you can opt for cashless treatment at any network hospital of the insurance provider and reduce your out-of-pocket expenses. You can also choose a non-network hospital and claim for reimbursement of your medical expenses post-discharge. Therefore, investing in health insurance early in life will save you from the financial distress of dealing with unexpected medical expenses.

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.   

Being well-prepared is key when faced with a sudden and serious illness. That's why investing in a suitable critical illness insurance plan is essential. With these measures in place, you can have peace of mind, knowing you're financially and physically protected. Keep reading to discover how to select the best critical illness policy that fits your requirements and understand its importance.

What are the Features of Critical Illness Insurance Plans?

In this era of skyrocketing medical expenses, critical illness insurance coverage is more than just a safety net. It becomes akin to a requirement. Usually, the best critical illness insurance plans provide the following:

• Lump Sum Benefit: After you are diagnosed with an illness under the coverage, you will get a lump sum payment. This sum can cover medical expenses, rehabilitation tools, or anything else that may arise while you get well.

• Coverage for Many Illnesses: Most plans often cover heart disease, cancer, stroke, and other illnesses. This guarantees that serious health concerns are addressed.

• Simplified Claims Process: These plans usually have a straightforward claims process. It makes it less stressful during critical times.

• Protection from Loss of Income: The lump sum provided by this insurance coverage can serve as a replacement for income.

• Tax Benefits: You can also enjoy tax deductions under certain sections of the Income Tax Act in addition to health coverage.

Checklist to Select the Best Critical Illness Insurance Plan

Make sure you have complete coverage when needed by choosing the appropriate critical illness health insurance. This checklist should be very helpful if you're struggling to decide which plan suits you best. Use this table to compare policies and choose the most suitable one:

Conclusion

Your future well-being and financial security depend on your obtaining critical illness coverage. These plans offer a vital financial safety net to alleviate the heavy burden that major health problems can cause. Let providers manage the finances so you can focus on getting better. Picking the right plan is crucial for the sake of your family's financial security and your own health. Having this policy in place is a preventative measure to deal with possible financial concerns associated with health as healthcare expenses are on the rise.

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.  

The C-peptide test is an important method for determining insulin production. In this article, we'll learn about C-peptide normal levels and their significance. This will help you with diabetes diagnosis and other medical disorders.

Normal Test Results For C-Peptide

C peptide normal values range between 0.5 and 2.0 nanograms per millilitre (ng/mL). This test measures insulin production, which is crucial for diabetes diagnosis and management. A high C peptide level may indicate type 2 diabetes, whereas a low level may indicate type 1 diabetes. This test assists the physician in determining the patient's condition and developing a care plan.

If you have health insurance, it will always come in handy if your test results have high C peptide levels.

Conclusion

The C peptide test normal range is essential for assessing the body's insulin release. Its accurate assessment results in better patient care, which simplifies and effectively diagnoses diabetes and related disorders.

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

Health insurance becomes more important as we age, particularly for older adults over sixty years. Health insurance plans provide financial protection and mental peace in case of unanticipated sickness. Read on to analyse the importance of health care coverage for individuals above 60 years and the aspects that must be considered before selecting a plan.

Pros of Buying Health Insurance for People Above 60

There are several advantages to purchasing a health insurance plan above 60 years of age. A few are as follows:

• Comprehensive Coverage: Health insurance includes hospitalisation, medical bills, and, in some cases, outpatient services. This ensures that you won't face financial hardship when seeking medical assistance. Insurance also covers major chronic illnesses that can occur even when you are in good health.
• Preventive Care Benefits: Many plans have benefits relating to health promotion programs, such as regular check-ups and preventive screening tests. These may help in early detection and management, enabling people to live longer, healthier lives.
• Financial Security: A health insurance plan above 60 years can allow individuals to prioritise essential healthcare needs without worrying about financial strain.
• No Claim Bonus: For many policies, every claim-free year results in an increased assured sum or reduced premium, thus encouraging good health management habits and appropriate use of medical resources.
• Wide Hospital Network: Most insurance companies partner with a network of hospitals, ensuring the availability of cashless medical care services nationwide.

Why Individuals over 60 Must Have Health Insurance

Health insurance plans are akin to essentials for individuals over 60. The primary concern is that older individuals are at higher risk of various health issues, necessitating financial preparedness for potential emergencies. Therefore, having insurance ensures access to quality medical care while maintaining savings. Furthermore, these policies safeguard against rising hospitalisation costs, which can be significant during old age.

Another advantage of these policies is peace of mind, knowing they provide protection in unexpected health situations. Health insurance policies also encourage early detection and treatment through coverage of preventive check-ups, promoting proactive healthcare behaviours among retirees and improving overall health outcomes and quality of life in this age group.

What to Consider When Buying Health Insurance for People over 60?

If you're looking to purchase health insurance, you should consider several factors so that you may access the appropriate policy:

• Coverage Limitations: Before enrolling in any plan, it's crucial to verify if there are provisions for pre-existing conditions or co-pay clauses. This step is essential because certain policies may impose waiting periods before providing coverage for pre-existing conditions.
• Premiums and Deductibles: To find an appropriate policy that works within your budget, compare the premiums and deductibles on different plans. Can you afford the premiums over the deductibles, which increase your out-of-pocket expenditure?
• Network Hospitals: Ensure your provider is partnered with hospitals near your workplace and home. An extensive network of hospitals guarantees better healthcare services without travelling long distances.
• Policy Renewal Age: As you age, consider choosing plans with more comprehensive renewal age limits. A policy with an extended renewability age offers peace of mind due to guaranteed health expenditure coverage in the future.

Conclusion

For individuals over 60, it is important to consider health insurance as an essential investment as it provides financial stability. Ensure that you conduct appropriate research and compare policies to select one that suits all your needs.

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

Introduction

If one has a pre-existing medical condition, it is hard to get affordable health insurance coverage. Most insurance companies are not ready to provide coverage for pre-existing diseases right at the beginning of the policy. This is because there is a high chance that you may file against those conditions. However, with some research and understanding of how individual health insurance that covers pre-existing conditions is dealt with, getting a policy that meets your needs will not be hard.

Can You Buy an Individual Health Insurance Policy that Covers Pre-Existing Diseases?

It is possible for you to purchase an individual health insurance policy covering already-existing illnesses. There are, however, certain things you need to know. IRDAI defines a pre-existing condition as any illness or medical condition diagnosed up to 48 months before purchasing the policy. These may include chronic conditions like diabetes, asthma, and high blood pressure.

Most health insurances cover pre-existing diseases after a certain medical waiting period. It could be a two-to-four-year time, though, which might vary from insurer to insurer or from one ailment to another. In some policies, there may be an option to buy a rider to reduce this waiting period, but it is added as an extra premium.

Why You Should Disclose Your Pre-Existing Medical Condition?

It is essential to come clean regarding pre-existing conditions in the case of health insurance applications. Therefore, you must be transparent since hiding a condition later to be discovered may mean your insurance claim getting rejected. Worse still, this may lead to the cancellation of your policy on grounds of fraud. The most important thing is to eliminate the chances of a problem occurring by being upfront about your health status.

Conclusion

It is easy to find an individual health insurance policy, but it is very imperative that you get the right one that covers pre-existing conditions to manage your healthcare needs. Just be honest about your medical history, compare various policies, and consider the waiting periods and their related costs in the process. This way, you will achieve the coverage you need to protect your finances.

Remember, health insurance does demand an understanding of your choices and maximum transparency between you and your insurer to achieve the best coverage without surprises at the time of the claim.

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.

The cost you bear towards your health insurance referred to as the composite rate, is something you cannot ignore. The two most often used terms in health insurance, ‘composite rate’ and ‘premium’ are essentially the same thing at the core.

A composite rate is an insurance premium based on the average risk profile of a group as opposed to the risk profile of a single policyholder. Composite rate and premium, both, relate to the overall amount you spend to fund your health insurance in any given timeframe, with one year often being the most common measure. A health insurance composite rate calculator can be used for estimating insurance pricing and risk assessment.

How is Health Insurance Premium Calculated?

The health insurance premium is calculated considering the following factors:

• Age: The older we are, the more likely we are to become dependent on one or more medical services. Thus, the common trend is that the young have to pay less premium than their older counterparts.

• Medical History: Pre-existing medical conditions can also dictate the cost of your insurance. Some insurance companies charge high premiums for pre-existing diseases.

• Location: The premiums of the insurance might be slightly higher in regions that bear higher medical expenses compared to those with lower expenses such as rural regions.

Additional Factors That Determine the Composite Rate

Some additional factors that determine the composite rate are:

• Sum Insured: This is the maximum financial help that a health insurance policy shall contribute to the payment of the medical bills. The amount that you get to insure under the policy works hand in hand with the money you pay as a premium.

• Policy Type: The cost of health insurance policies differs based on the coverage they offer. An all-encompassing plan will cost more than a completely bare-bones basic one.

Conclusion

A health insurance composite rate calculator helps you find your way around the key aspects of health insurance costs. When the elements influencing the premium become familiar to you, it becomes easy to choose the right health insurance plan with the optimal degree of coverage and pricing. So, always do your research to avoid any major headaches or wallet issues later on!

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.

Sometimes, people overlook the importance of individual health insurance because they believe family health plans serve the same purpose. Although both have the same implications, they are different. Individual health insurance covers a single insured person in a family for medical bills, hospital stays, doctor visits, surgeries, and tests, besides other hospitalisation costs. Buying individual health insurance for every member of the family is beneficial as adequate financial coverage is needed against rising medical inflation.

Add-ons can also be purchased to expand the coverage of the base policy. With an individual health insurance plan, an insured can enjoy getting treatment without paying upfront, as insurers arrange for cashless hospitalisation.

Top Advantages of Opting for Individual Health Insurance

●     Extensive costs coverage

Individual health insurance plans can be customised as per the individual's requirements. The benefit of tailor-fitting the plan makes it a cost-effective option, which will cover costs of hospitalisation, doctor consultation, surgeries, diagnostic tests, and even pre- and post-hospitalisation expenses. Extensive individual health insurance benefits offer peace of mind, as the insured can be assured of being financially prepared for any medical contingency.

In case of emergency, when an ambulance is hired, the individual health insurance policy also provides up to ₹3000 for the vehicle charge under hospitalisation coverage.

●     Cashless claim facility

With the individual health insurance plan, the insured can enjoy cashless hospitalisation, in which the insurance company settles hospital or nursing home bills directly. The benefit of cashless hospitalisation comes in handy in medical emergencies. To avail of this facility, the policyholder should inform the insurer 48 hours before the planned admission or within 72 hours of emergency admission.

 Also, the hospitalisation has to be done in a hospital enlisted in the insurer company’s network. The policyholder's time and paperwork are saved while the insurer settles the hospital bill. Most health insurance policies also offer the benefit of a free annual health check, which helps the insured keep track of their health and take timely medical intervention if needed.

●     Daily hospitalisation alliance

Some insurance companies also first pay the insured the daily hospitalisation allowances, which is a predetermined amount for each day the policyholder spends in the hospital. To avail of this facility, the policyholder has to spend a minimum number of days in the hospital (predetermined in the policy).

Individual health insurance policies also cover domiciliary treatment. This means that when patients’ health conditions do not permit them to move to the hospital or if a bed is not available at the medical facility, they can avail of home treatment under a doctor's supervision. The insurer will cover the treatment cost.

●     No claim bonus

Individual health insurance rewards policyholders for maintaining good health. This is done through the no-claim bonus (NCB) process. NCB is offered to the insured if the person does not make any claims during a year. The bonus can be either an increased coverage amount or a reduced premium cost.

●     Tax benefits

The premium paid for individual health insurance qualifies for a tax deduction under Section 80D of the Income Tax Act of 1961. Thus, the policyholder not only gets financial benefits but can also enjoy reduced tax liability by investing in an individual health insurance policy. Buying individual health insurance also includes cost-effectiveness, as it is less expensive than family or group health insurance coverage.

Individual health insurance benefits are maximum for individuals with high health risks. It means more protection and quick claim settlements.

Conclusion

Each individual's healthcare needs are different. An individual health insurance plan enables customisation of policy according to the requirements of age, pre-existing medical conditions, and preferred medical facilities. This allows for making the most of an insurance coverage plan. An individual health insurance policy offers lifelong renewability, implying the policyholders can be assured of being well covered for medical expenses throughout their lives. Make sure to evaluate different plan benefits and choose the one that offers maximum coverage. Also, check if you are getting critical illness coverage in your health plan or else get it as an add-on benefit to cover health conditions like stroke, heart attack, cancer, or kidney failure.

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.

Tuberculosis (TB) is an infectious disease that primarily affects the lungs, although it can also impact other organs. TB is transmitted through the air from one person to another, with most transmission occurring when an individual with active pulmonary TB coughs, sneezes, or talks.

The risk of acquiring TB is higher among HIV-positive individuals, as they are considered immunocompromised.

Is Tuberculosis Communicable?

Is TB contagious? Unfortunately, yes.

Tuberculosis is one of the communicable diseases that can be easily transmitted from one person to another through both direct and indirect means. Interestingly, not everyone who has TB poses a threat, as only individuals with active TB can spread the infection.

But how is tuberculosis transmitted? TB is typically transmitted in areas where healthcare facilities are scarce or where individuals discontinue their medication due to indifference, which in turn leads to the accelerated proliferation of drug-resistant TB.

How Does Tuberculosis Spread?

Tuberculosis spreads through the following means:

• By the means of air when an infected person coughs, sneezes, talks or even sings.
• By inhaling the bacteria that are in the air where ventilation is limited.
• Close, constant contact with an active TB patient poses a significant risk for the transmission of the bacteria.
• On less frequent occasions, contaminated materials and surfaces are responsible for the spread of TB. However, this method of spread is not very common.

Conclusion

Understanding how TB is transmitted is crucial in controlling its spread, especially in environments with higher risks, such as crowded places or among individuals with compromised immune systems. More than 40% of India’s population carry the tuberculosis infection in their bodies. To prevent TB transmission, early detection, proper treatment, and ensuring that infected individuals complete their prescribed medications are crucial steps. It is also necessary to acquire a comprehensive health insurance policy to access quality and affordable healthcare in times of medical emergency.

A health insurance policy often covers the costs of TB testing, diagnosis, and treatment, so it’s essential to review your coverage and ensure you are protected in case of sudden illness.

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.

Rubella is a skin condition that can affect the lymph nodes and have various implications. But is rubella contagious? Unfortunately, yes. Children are more susceptible to rubella due to lower immunity levels, which increases the rate of spread. The main way that the virus spreads is by respiratory droplets. A patient with rubella must be kept in complete isolation; not adhering to basic isolation rules can lead to a quicker virus spread.

Read on to understand how is rubella transmitted.

Is Rubella Communicable?

Rubella’s spread is more rapid among individuals with weak immune systems, who are more likely to catch the virus.

Typically, the first week after contracting rubella is when you are most likely to infect others. However, once the rash disappears, the chances of transmission diminish.

Vaccination is essential to curb the spread of this disease. Unfortunately, many people are unaware of the seriousness of rubella and do not take precautions to prevent its transmission, leading to a faster spread.

How Does Rubella Spread?

It is important to be aware of how is rubella spread. The following are some ways that the disease can spread:

• Touching the Contaminated Area: Many people are not aware that they have rubella, making them more likely to touch contaminated areas. The virus has a brief survival period on surfaces. When a non-infected individual touches these areas and then their face or nose, it can lead to the spread of rubella.
• Coughing and Sneezing: Once an individual with rubella coughs or sneezes, the virus can spread in droplets. People who are near the contaminated air can inhale the virus and develop rubella.

The chances of infecting others are highest during the week following the appearance of the rash.

Conclusion

Now that we understand how rubella spreads, it is important to follow precautions. If you have developed rashes, ensure that you isolate yourself. This can enhance your chances of healing and help curb the spread of the virus. A health insurance plan can also provide you access to affordable and quality healthcare. Comprehensive insurance will also protect you from financial burdens in times of sudden illness.

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.

Introduction

Having a baby may be exciting, but let's face it: it may also quickly become very expensive. That's where individual health insurance with maternity coverage comes in to save your wallet. Essentially, it assists in taking care of the costs that come with having a baby—from those essential prenatal checkups through delivery and even some postnatal care. Think of it like a financial security blanket to get to the good stuff—like picking out tiny socks and prepping the nursery.

How does it all work? Let’s check in detail.

What are the key benefits of maternity health insurance plans?

Maternity health insurance plans give much more than a monetary safety net. They cover all prenatal tests, check-ups, delivery, and postnatal care-related expenses. Some even extend coverage to your newborn so that they get the best possible start in life. And the best part? If you buy your health insurance policy online, it's hassle-free.  Additionally, you get to compare plans, customise coverage, and complete your purchase anytime, anywhere—without the need for lengthy paperwork!

Who can benefit from an individual maternity health insurance cover?

Individual health insurance with maternity coverage is a great option for:

• Self-employed individuals: If you don't get health benefits from an employer, this type of plan ensures you're covered.
• Couples who want more comprehensive coverage: Sometimes, employer-provided plans might not offer the level of maternity coverage you need. An individual plan lets you customise your benefits.
• Anyone planning to start a family soon: It's wise to get coverage in place before you conceive, as there are often waiting periods.

Can husband and wife both claim maternity insurance in India?

Yes, both husband and wife can claim maternity insurance, but they have to check if their respective plans allow dual coverage or limit it somehow. This may come in handy while managing total costs, including maternity and neonatal care.

Third childbirth and maternity insurance plans

Generally, maternity coverage is provided only for the first two childbirths, as subsequent pregnancies are considered high-risk. There are very few plans that do cover a third childbirth, though the premium would undoubtedly be higher and the waiting period even longer. So, discussing special needs at length with the insurance provider and understanding all policy terms and conditions in the purest sense of the word is necessary.

The right time to purchase individual maternity health insurance

The best time to buy a maternity health insurance policy is before you plan for a baby. Most policies have a waiting period; hence, one should have it in place way before getting pregnant to get benefits. Early planning not only ensures that you are covered but also saves you from financial strain due to sudden medical bills.

Conclusion

Bringing a new life into the world is an incredible experience, but it also comes with financial challenges. So, buying individual health insurance with maternity coverage that gives you the financial peace of mind to fully embrace this journey becomes necessary. Remember, early start, cover options, and the chosen plan- all go a long way to ensure that your family is well cared for while you enjoy this particular time without worrying about the 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.

Influenza is an extremely common and communicable disease that spikes in incidence during changing weather. Read on to learn how is influenza spread.

Is Influenza Communicable?

The contagious period typically begins one day before the onset of illness and lasts for 5 to 7 days after falling ill. Infants, older individuals, and those with immunocompromised conditions may remain infectious for longer periods, making it imperative to observe certain preventive measures.

But how does influenza transmit?

This respiratory virus primarily spreads through liquid or droplet aerosols from an infected individual during talking, coughing, or sneezing. A flu outbreak can spread rapidly due to influenza’s transmissible nature, especially in crowded spaces like schools, public transport, and offices. The best way to prevent the flu and mitigate the impact of infection on those who contract it is to take preventative measures, such as wearing appropriate clothing and masks.

How Does Influenza Spread?

Influenza is spread through the following means:

• Most transmission occurs through respiratory droplets produced when people talk, cough, or sneeze.
• Touching an infected surface with a hand and then rubbing that hand on the face, particularly focusing on the eyes, nose, or mouth, can facilitate the spread of infection.
• When an individual comes into direct contact with an infected person, such as during handshakes or kisses, transmission can occur.

Conclusion

Influenza is contagious and communicable. It spreads easily through sneezing and the rapid movement of cough droplets, as well as through touching infected surfaces.

While influenza is not typically harmful, it can lead to a progression of illness due to the resulting compromised immune system. When infected with influenza, you become susceptible to other serious illnesses. Additionally, if you are immunocompromised, influenza can pose a significant health risk.

A comprehensive health insurance policy can protect you from the repercussions of diseases like influenza. Health insurance plans provide access to appropriate healthcare and help alleviate the associated financial burdens.

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.

In today’s fast-paced world, medical emergencies can strike like a bolt from the blue and may take a significant toll on our pockets. That is why purchasing the best individual health insurance policy is very important to protect you and your family members from such odds. With so many options, it is essential to navigate the market carefully and make an informed decision. Here is a detailed checklist that will guide you through the process of selecting the perfect health insurance plan that caters to your unique needs.

How to Select the Best Individual Health Insurance Policy?

To choose the best health insurance policy, you should consider the following factors:

Choose an Adequate Sum Insured Amount

The sum insured is the maximum that an insurance company can pay for your medical expenses during the policy period. So, consider age, previous medical history, and future health needs while choosing your coverage. As a general rule, target the sum insured to be at least 5 to 10 times your annual income. Don't sell yourself short here. Medical costs can quickly spiral, and you have to be well-prepared.

Choose the Right Coverage Type

While choosing any health insurance policy, consider the interests of your entire family. Though an individual plan promises to give you maximum coverage, a family floater plan can be very cost-effective. The sum insured should be sufficient to pay for more than one member's hospitalisation.

Check the Pre-existing Disease Waiting Period

If you have any pre-existing health conditions, pay close attention to the waiting periods imposed by the insurer. Some may have an elimination period of up to 4 years. So, choose a plan with the shortest waiting period to cover your needs sooner.

Pick an Insurer with a High Claim Settlement Ratio

The claim settlement ratio refers to how reliable an insurer is. It tells how many claims the insurer has settled out of those received. Look for companies with a claim settlement ratio above 85%. This indicates their strong record of honouring their commitments.

Check for Cashless Hospitalisation

Cashless hospitalisation at network hospitals can be a lifesaver during emergencies.  This is because you won't have to worry about paying hefty bills upfront. Check that the insurer you choose has quality hospitals near you in their network.

Check for Smooth Claim Settlement Process

Familiarise yourself with the insurer's claim settlement process, the amount of documentation involved, and, most importantly, the response time for claim processing. This will ensure that you don't experience any problems when you finally have to file one for yourself.

Compare Premium

While the premium amount shouldn't be the sole deciding factor, it's still important to choose a plan that fits within your budget. Weigh the premium against the coverage and benefits offered to ensure you get the best value for your money.

Check the Reviews

Reviews and testimonials can reveal how reliable and customer-friendly an insurer is. Spend time online to see what people say about your prospective insurer.

Read the Policy Exclusions

It’s crucial to understand what is not covered by your policy. Common exclusions include cosmetic surgery, dental treatment, and certain types of alternative medicine. Knowing these can help you avoid unexpected expenses during a claim.

Conclusion

Checking off each of these points detailed above will help you navigate the world of individual health insurance. It will also ensure that your plan appropriately balances comprehensive coverage with affordability. Remember that your health is your very instrumental and invaluable asset. The right policy today can set one's mind at peace and bring financial security for many years.

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.