Are you eagerly anticipating your income tax refund? Monitoring the status of your refund is simpler than you may realise. Whether you’ve filed your return online or offline, monitoring your refund status provides peace of mind and helps you plan your finances better. Here’s a step-by-step guide on how to check your income tax refund status effortlessly.

Steps to Check Income Tax Refund Status

If your refund due has been determined after 31st March 2023, follow these simple steps:

Visit the Official Income Tax Portal: Head to the official Income Tax e-filing portal by clicking on the following link: https://eportal.incometax.gov.in/iec/foservices/#/know-refund-status/user-information.

Enter Required Details: Once on the portal, you’ll be prompted to enter specific details. Start by providing your PAN (Permanent Account Number) and the Assessment Year for which you want to check the refund status. Ensure accuracy in entering these details to avoid any discrepancies.

Provide Contact Information: Next, enter your registered mobile number. This step is significant as it safeguards your account’s security and enables tax authorities to communicate any updates regarding your refund status conveniently.

Click Continue: After entering all the necessary information, click the ‘Continue’ button. The portal will validate the details provided and initiate retrieving your refund status.

Check Status: Once the system verifies your details, it will display the status of your income tax refund on the screen. You’ll be able to see whether your refund has been processed, if it’s under process, or any other relevant information regarding the status of your refund.

Stay Updated: It’s advisable to regularly check your refund status to stay informed about any changes or updates. The Income Tax Department often provides real-time updates on refund status, ensuring transparency and efficiency.

By following these straightforward steps, you can effortlessly monitor the status of your income tax refund and stay informed about any updates regarding your refund claim. Additionally, monitoring your refund status allows you to promptly address any issues or discrepancies, ensuring a hassle-free experience.

Conclusion

Staying informed about how to check ITR refund status is essential for every taxpayer. It ensures transparency and allows you to track the progress of your refund efficiently; much like how health insurance provides a safety net for unexpected medical expenses, monitoring your ITR refund status offers financial reassurance and empowers you to manage your finances responsibly. By adhering to the steps detailed in this blog, you can seamlessly navigate the process and guarantee timely receipt of any refunds owed to you. So, make it a habit to check your ITR refund status regularly to stay on top of your tax-related matters and achieve greater financial peace of mind.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Losing your vision is scary and can change everything. Thankfully, modern eye surgery can often restore sight and stop further damage in some cases. However, the financial aspect is not always clear. In India, insurance may cover some procedures and exclude others, depending on the condition and the policy. This makes it necessary for you to understand what eye surgery includes, when it is needed, how much it costs and how insurance can help.

What is eye surgery?

Eye surgery for vision involves treating conditions of the eye through surgical procedures that may include lasers, incisions or implants like intraocular lenses. These surgeries are done to correct vision problems, repair damage or prevent further complications.

What conditions are treated with an eye surgery?

Eye operation is used to treat a wide range of conditions that affect vision or eye health. They include:

• Cataracts: Clouding of the eye’s natural lens that causes blurry or dim vision.
• Refractive errors: Issues like nearsightedness, farsightedness, astigmatism and presbyopia.
• Glaucoma: An increase in eye pressure that may harm the optic nerve.
• Retinal detachment: The Retina pulls away from its normal position at the back of the eye.
• Ptosis: Sagging of the upper eyelid that may interfere with vision.
• Eye cancer: Abnormal growths or tumours that may require removal.
• Injuries: Trauma to the eye, such as open globe injuries.
• Corneal diseases: Conditions like keratoconus that may need corneal transplants.

Different types of eye surgeries

Let us now understand what the different types of eye surgery are:

• Vision correction surgery: It includes LASIK, PRK and SMILE. These laser procedures reshape the cornea to correct refractive errors, like myopia, hyperopia and astigmatism.
• Cataract surgery: This involves taking out the eye’s clouded natural lens and implanting a clear artificial intraocular lens in its place.
• Vitrectomy: This procedure involves eliminating a gel-like substance called vitreous from inside the eye. It is usually done in cases of retinal detachment, macular holes or diabetic retinopathy.
• Glaucoma surgery: These are trabeculectomy or tube-shunt procedures. They help lower intraocular pressure to prevent further damage to the optic nerve.
• Strabismus surgery: This surgery treats eye misalignment by repositioning or tightening the eye muscles to improve coordination.
• Corneal transplant (keratoplasty): It replaces damaged or diseased corneal tissue with healthy donor tissue.
• Eyelid surgery (blepharoplasty): This surgery is performed to remove excess skin or correct drooping eyelids.
• Eye removal (enucleation): In rare cases of severe trauma, cancer or infection, the entire eyeball may need to be removed to protect the patient’s health.
• Open globe injury repair: This is an emergency surgery done when the eyeball is ruptured or punctured, often as a result of blunt force or accidental injury.

What is the cost of eye surgery in India?

Here is a general breakdown of the cost of eye surgeries in India:

Why should you buy health insurance for eye surgery and what does it cover

Eye surgeries like cataract removal, glaucoma treatment or retinal procedures can be expensive. Eye surgery insurance coverage helps ease this financial burden by covering hospital stays, the surgery itself, diagnostic tests and follow-up visits. Many insurers also offer cashless treatment at network hospitals, reducing out-of-pocket expenses.

Most health insurance policies cover medically necessary eye surgeries such as cataract removal (with standard intraocular lenses), glaucoma surgeries like trabeculectomy, vitrectomy for retinal issues, corneal transplants and surgeries after eye injuries. Strabismus correction is also typically included.

However, elective or cosmetic procedures like LASIK, PRK, SMILE, eyelid surgeries and premium lenses are usually excluded unless your policy specifically mentions them. LASIK may be covered only in special cases, such as a refractive error above 7.5 dioptres or when glasses or lenses cannot be used due to medical or physical constraints.

How to claim health insurance for eye surgeries?

Here’s how you can claim health insurance for eye surgery:

1. Pre-authorisation: Submit your doctor’s reports and a cost estimate to the insurer in advance for planned procedures like cataract surgery.
2. Choose a network hospital: This allows for cashless treatment, where the insurer deals directly with the hospital through a TPA.
3. Submit documents: Keep the discharge summary, prescription, test reports, itemised bills and your insurance details ready.
4. Reimbursement if not cashless: Send all documents to your insurer within 7–15 days after discharge if you have paid upfront.
5. Check waiting periods: Many policies have a 1–to 2–year wait for surgeries such as cataract or LASIK procedures.
6. If rejected: Ask your doctor for a written explanation and file an appeal with supporting documents.

Conclusion

For many people, eye surgery is often necessary to prevent severe vision loss. The good news is that many procedures are now covered by health insurance in India. Eye surgery cost are also on the rise, so a health insurance plan that includes eye care can offer real financial relief. Just be sure to check what your policy covers.

FAQs

• Does health insurance cover eye surgery for vision correction?

Most insurers don’t cover eye surgery for vision unless it is medically necessary. Elective procedures like LASIK are usually excluded.

• What does health insurance for eye surgery usually include?

Health insurance often covers medically required treatments. However, it may not include cosmetic or elective options.

• Are all different types of eye surgery covered under eye surgery insurance coverage?

No, eye surgery insurance coverage depends on the type. Some plans exclude specific procedures, so it is important to check.

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

In India, healthcare is a big challenge for many people, especially those from weaker sections of society. To help with this, the Jharkhand government launched a health insurance scheme called the Mukhyamantri Abua Swasthya Suraksha Yojana (MASSY). The scheme is meant to provide financial help and good health care services to families in need, protecting them from high medical expenses. Let’s take a quick and easy look at what this scheme is all about.

What is Mukhyamantri Abua Swasthya Suraksha Yojana (MASSY)?

The Mukhyamantri Abua Swasthya Suraksha Yojana is a health insurance scheme started by the Jharkhand government. It mainly helps those who were left out of the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY). Under MASSY, families get free health insurance coverage so they can get cashless treatment at hospitals.

Features of Mukhyamantri Abua Swasthya Suraksha scheme

Mukhyamantri Abua Swasthya Bima Yojana has many useful features that make it easier for poor families to get treatment:

• Insurance cover of ₹15 lakh for the family per year for secondary as well as tertiary health care
• Covers hospitalisation expenses for serious diseases and treatments.
• Cashless treatment at government and private hospitals linked with the scheme.
• Paperless system with e-cards for easy verification.
• Covers pre-existing diseases.
• Offers free registration. People do not need to pay anything to enrol.
• Wide network of empanelled hospitals inside and outside Jharkhand.
• No age limit for family members covered under the scheme.

Benefits of MASS policy

MASS scheme gives many important benefits, including:

• Provides health insurance protection worth up to ₹15 lakh per family
• Saves families from taking loans or selling assets during illness
• Makes sure poor people can go to private hospitals as well as government ones
• Gives peace of mind that treatment is available without worrying about cost
• Encourages people to get timely treatment rather than ignoring their health
• Covers most diseases and pre-existing illnesses
• No paperwork burden since everything is managed through e-cards
• Emergency hospital care can be accessed without delay

Eligibility criteria under Mukhyamantri Abua Swasthya scheme

The ABU Swasthya Bima scheme targets Jharkhand residents from weaker sections who are not covered under the central Ayushman Bharat scheme. Eligible families must be listed in the state’s socio-economic survey and have a valid ration card or other ID proof for verification.

How to apply for Mukhyamantri Abua Swasthya Suraksha Yojana?

The application process for MASSY is simple and hassle-free. Here's a step-by-step guide:

• Visit the official portal

Go to bis.jharkhand.gov.in.

• Login using mobile number

Enter your mobile number and get an OTP (One Time Password) on your phone. Put in the OTP and the captcha code to proceed.

• Search using the ration card

Enter your ration card number and captcha. Click on the “Search” button. The portal will show the list of family members linked to your ration card.

• Download the health card

If your details match your ration card and Aadhaar, you can download the health card. You can save the card for future use.

Documents required for Abua Swasthya Bima Yojana

To apply under MASSY, you need to have an Aadhaar card of all family members. It should be linked with a ration card. You also need residential proof (like voter ID or electricity bill).

Conclusion

The Mukhyamantri Abua Swasthya Suraksha Yojana is a big step by the Jharkhand government to provide quality health care to economically challenged families. While such government schemes offer valuable support, it’s still wise to invest in health insurance plans. It provides coverage against medical needs, hospital stays, surgeries and medicines in times of need.

FAQs

• What is the coverage amount under MASSY?

The MASSY scheme gives health insurance coverage of up to ₹15 lakh per family per year.

• Who can apply for MASSY?

Families living in Jharkhand who are not covered under Ayushman Bharat can apply.

• Is pre-existing disease covered?

Yes, all pre-existing illnesses are covered.

• Can I get treatment at private hospitals?

Yes, you can go to any private or government hospital for cashless treatment.

• How to get the MASSY card?

You can apply at your nearest Pragya Kendra or CSC and get an e-card after registration.

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

The Swasthya Sathi scheme was launched by the Government of West Bengal in 2016. Designed to provide affordable and comprehensive medical coverage, it offers families in West Bengal up to Rs 5 lakh per year for hospitalisation and treatment of a wide range of illnesses, including pre-existing conditions from day one.

If you live in West Bengal, read on to learn everything you need to know about this government-backed healthcare initiative.

What is the Swastha Sathi scheme?

Swasthya Sathi Scheme is a health insurance scheme initiated by the West Bengal government to provide medical care to its citizens. The scheme provides comprehensive coverage for all medical treatments and hospital procedures to enable people to obtain timely and proper treatment without financial burdens.

Features of the Swasthya Sathi scheme

Here are some of the key features of the Swasthya Sathi scheme:

1. Comprehensive coverage: The Swasthya Sathi coverage includes a comprehensive range of healthcare services such as hospitalisation, surgeries, diagnostic tests, outpatient consultations and essential medicines.
2. Cashless treatment facility: Beneficiaries can have treatment without paying upfront at empanelled hospitals across West Bengal.
3. Entire family covered: A single smart card entitles every family member, from children to the elderly, to equal medical benefits.
4. No limit on family size: This makes it especially beneficial for larger families, ensuring that no one is left out of health coverage.

Benefits of the Swasthya Sathi Health scheme

The Swasthya Sathi card benefits people who need medical assistance during medical emergencies without any financial burden. Here are its benefits:

1. Coverage up to ₹5 lakh: Each family is entitled to annual health insurance plans of up to ₹5 lakh. This includes both secondary and tertiary level medical care.
2. Pre-existing illnesses covered: The scheme provides coverage for existing health conditions from the day of enrollment, ensuring no one is left out due to prior illness.
3. Family-wide coverage: The number of family members covered is not restricted. The scheme also includes in-laws and dependent members with disabilities.
4. No premium from beneficiaries: The full premium is paid by the West Bengal government, which means families do not have to contribute anything financially.
5. Cashless hospitalisation: The costs for doctor visits, diagnostic tests and medicines are covered starting from one day before admission.

Eligibility criteria for the Swasthya Sathi scheme

Before applying, check if you meet the eligibility criteria for the scheme. You must be a permanent resident of West Bengal and not covered by any other health insurance. Eligible groups include domestic helpers, street vendors, contract labourers, small farmers, civic volunteers and select categories of state government staff who are automatically included.

How do you apply for the Swasthya Sathi scheme online?

To Swasthya Sathi card apply online, follow these steps:

1. Check out the official Swasthya Sathi Scheme website at https://swasthyasathi.gov.in.
2. Click on the “Apply Now” button.
3. Fill out the online application form with the correct personal and family details, including income information.
4. Upload the important documents, such as identification proof, address proof and income certificates.
5. Submit the application form online.
6. After the application is approved, beneficiaries will receive their Swasthya Sathi cards by mail.

What documents are required to apply for the Swastha Sathi scheme?

When you apply for the Swastha Sathi scheme, you’ll need Aadhaar card number, khadyasathi ration card number, registered mobile number, employment status of the member and important Legal Domicile Document

Conclusion

The Swasthya Sathi Scheme has proved to be a major leap towards better healthcare in West Bengal.

However, while such schemes are helpful, it is still wise to invest in comprehensive coverage like senior citizen health insurance to ensure added protection and peace of mind, especially for older family members.

FAQs

• Who can apply for the Swasthya Sathi scheme?

Swasthya Sathi card eligibility particularly targets individuals from financially disadvantaged backgrounds as well as government employees.

• How much health coverage does the scheme provide?

The scheme aims to provide up to Rs 5 lakh per family annually for primary, secondary and tertiary care.

• How do I get the Swasthya Sathi card?

When you enrol under the scheme, an online Swasthya Sathi card with all your family information, including photos, mobile numbers and health history, will be issued via the internet.

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

You work hard to build a secure future for yourself and your loved ones. But what if the unexpected happens, and you’re no longer there to provide for them? This is where plans for health, term and life insurance come in.

Understanding the difference between health insurance vs life insurance vs term insurance is key to protecting your family’s future. While a health insurance policy helps with growing medical costs, term insurance ensures financial security for your family if you’re gone. In some cases, a critical illness insurance plan can also be a lifesaver. This blog will help you compare and guide you on which insurance is a must-have.

What is a life insurance policy?

A life insurance policy offers financial support to your family if you pass away. In case of your death, the insurer pays a lump sum amount to your dependents, helping them stay financially secure. You must pay regular premiums to keep the policy active.

This protection is important when comparing life insurance vs term insurance vs health insurance, as it offers long-term peace of mind for your loved ones.

What is health insurance?

Health insurance aims to cover medical and surgical expenses, including hospitalisation, treatments and critical illnesses. It serves as a financial shield during health emergencies.

A health insurance policy can also be customised according to needs and budget. There are two main types:

1. Mediclaim
2. Critical insurance plan

What is term insurance?

Term insurance provides coverage for a fixed period, or “term” (5-30 years) and is a simple and affordable type of life insurance. The family receives the sum assured if the policyholder passes away during this term.

Paying premiums regularly is necessary to keep the police active. Where life insurance policies, term insurance offers no payout if the policyholder survives the term.

When comparing term insurance vs life insurance vs health insurance, term insurance is ideal for those seeking high coverage at a low cost.

Health insurance vs term insurance vs life insurance

There are many insurers, and picking the right policy can be confusing. Here's a simple table to compare health insurance vs term insurance vs life insurance for fast understanding:

Term insurance vs health insurance vs life insurance: Which insurance is a must-buy?

Health insurance: Must-have

• It covers hospital bills & medical expenses
• It saves your savings during health emergencies.
• Essential for everyone, no matter your age

Term insurance: Must-have if you have dependents

• It pays a large sum to your family if you pass away.
• It is very cheap and offers full protection.
• Ideal if you have kids, a spouse or loans.

 Life insurance: Not a must

• It combines insurance + low-return savings
• It is so costly, not great for investment
• Better to keep insurance and investment separate

Conclusion

When chosen properly, insurance is not only about safety but also a smart step toward long-term financial security. When you plan for early investment in term insurance vs health insurance vs life insurance, you not only safeguard loved ones but also bring tax benefits and peace of mind. With the right coverage in place, financial stability stays intact, no matter how uncertain life may be.

FAQs

• Which insurance should I buy first?

Buy health insurance as it protects you from high medical costs. If others depend on your income, term insurance is the next must-have.

• Is term insurance better than life insurance?

Yes, if you want full protection. Term insurance is cheaper and offers more coverage, while life insurance offers low returns and costs more.

• Can I skip insurance if I’m young and healthy?

No, buying early means lower premiums. Health issues and age can increase costs later, or even lead to rejection.

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

As people age, health expenses often become a major concern. Medical costs can rise quickly, and many senior citizens lack a steady income to manage these expenses. To address this issue, the Indian government introduced the Ayushman Bharat Vaya Vandana card in October 2024. This initiative provides citizens aged 70 and above with free hospital treatment worth up to ₹5 lakh per year. Let’s explore how this scheme works and why it is a vital support system for India’s elderly population.

What is the Ayushman Bharat Vaya Vandana card?

The Ayushman Vaya Vandana card is a new health card designed specially for people aged 70 years and above. It grants eligible senior citizens access to comprehensive healthcare benefits under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY).

Features of the Ayushman Bharat Vaya Vandana card

Here are the important features of the Ayushman Vaya Vandana card :

• Age eligibility: 70 years or above
• Coverage amount: Up to ₹5 lakh per year
• Cashless treatment: At empanelled hospitals under Ayushman Bharat
• Covers pre-existing diseases: No exclusions for old illnesses
• Family coverage: Only the senior citizen gets coverage, not the entire family
• Paperless: E-card issued digitally
• Available in all states: Pan-India validity
• Easy application: Can apply online, through hospitals or with a simple missed call
• No premium: 100% free for seniors above 70

Benefits of Ayushman Bharat Vaya Vandana card for senior citizens

Here are some key benefits of Ayushman Vaya Vandana card that senior citizens can get:

• Free medical treatment: No out-of-pocket costs up to ₹5 lakh
• Access to quality hospitals: Empanelled government and private hospitals
• Covers chronic illnesses: Heart, kidney, cancer, joint replacements and more
• Financial relief: Protects senior citizens from spending their life savings
• Simple process: Senior citizens can enrol easily without documents like an income certificate
• No stress about pre-existing diseases: Everything is covered from day one
• Dignity: Elderly people can get treatment with respect and confidence

Eligibility criteria for Ayushman Bharat Vaya Vandana card

This health initiative benefits Indian citizens aged 70 and above who hold an Aadhaar card and reside in India.

How to apply for Ayushman Bharat Vaya Vandana card?

To apply for the Ayushman Bharat Vaya Vandana card for senior citizens, follow these simple steps:

Option 1: Online

• Visit the official PM-JAY website or Ayushman Bharat app
• Enter Aadhaar details and date of birth
• Verify with OTP
• Provide necessary details
• Upload the required documents
• Apply and wait for verification
• After verification, you can download the card

Option 2: Missed call

• Give a missed call to 1800 11 0770
• You will get a call-back
• They will register and guide you through the process

Option 3: Hospital or CSC centre

• Go to any empanelled hospital or Common Service Centre
• Show your Aadhaar card
• Staff will help you register and issue the e-card

How to download the Ayushman Bharat Vaya Vandana card?

Once your application is verified and approved, you can easily download your Ayushman Bharat Vaya Vandana card by visiting the PM-JAY website.

Log in using your Aadhaar number, enter the OTP received, click on “Download” and then save or print the PDF.

Documents required for Ayushman Bharat Vaya Vandana card registration

Here are the documents required:

Difference between Ayushman Bharat and Vaya Vandana Yojana

To avoid misunderstanding, it’s important to distinguish between the Ayushman Bharat scheme and the Vaya Vandana Yojana. Here’s how they differ:

Conclusion

With simple eligibility rules, no premium and the option of cashless treatment, the Ayushman Bharat Vaya Vandana card is a good initiative for senior citizens.

As people age, their medical needs tend to increase, bringing with them the burden of rising healthcare costs. This is where health insurance becomes not just important, but essential. For senior citizens, having dedicated health insurance coverage is especially valuable, as it addresses common age-related conditions such as heart disease, diabetes and joint problems.

FAQs

• Who can get the Ayushman Bharat Vaya Vandana card?

Any Indian citizen who is 70 years of age or older is eligible to receive the Ayushman Bharat Vaya Vandana card.

• How much medical cover does it provide?

The Ayushman Bharat Vaya Vandana card provides up to ₹5 lakh per year to cover hospitalisation expenses.

• Is there any premium to pay?

No, there is no premium required. The Ayushman Bharat Vaya Vandana card is completely free for eligible senior citizens.

• Can I use it at private hospitals?

Yes, you can use the card at any empanelled private or government hospital under the Ayushman Bharat scheme.

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

In India, many families face financial struggles if the sole earner of the family passes away unexpectedly. To help reduce the impact of such situations, the government started the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY). This scheme offers simple and affordable life insurance coverage, providing financial security and peace of mind to families. Let’s take a closer look at how this scheme works and how it can help.

What is Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)?

The Pradhanmantri Jeevan Jyoti Bima Yojana is a government-backed life insurance scheme. It provides an annual life insurance cover of ₹2 lakh, payable to the nominee in case of the policyholder’s death due to any cause. The policy is valid for one year and can be renewed annually up to the age of 55 years, provided the policyholder remains eligible.

Features of Pradhan Mantri Jeevan Jyoti Bima Yojana

To better understand the value PMJJBY, let’s take a look at its main features:

• Low premium: Only ₹436 per year.
• High coverage: ₹2 lakh paid to the nominee if the policyholder dies.
• Easy enrolment: Available through banks with simple paperwork.
• Annual renewal: The policy needs to be renewed every year.
• Simple claim process: The nominee can easily claim the insurance amount.
• Auto-debit facility: The premium amount is deducted directly from the bank account.

Benefits of PMJJBY policy

Here are some benefits PMJJBY policy offers:

• Financial security for the family in case of the death of the policyholder.
• Affordable premium that even low-income families can manage.
• No medical tests required for joining.
• Simple process to join and claim the insurance amount.

What are the Pradhan Mantri Jeevan Jyoti Bima Yojana details?

The following are the essential Pradhan Mantri Jeevan Jyoti Bima Yojana details:

Eligibility criteria under PMJJBY scheme

To Pradhan Mantri Jeevan Jyoti Bima Yojana online apply, you must meet these conditions:

• Age between 18 and 50 years.
• Have a savings bank account.
• Give consent to join the scheme and allow auto-debit of the premium.
• Renew the policy every year up to the age of 55 years.

How to check PMJJBY Policy status online?

It is simple to PMJJBY status check online. Here are the steps:

• Visit the website of your bank or insurance provider.
• Log in using your net banking details.
• Go to the insurance section.
• Select PMJJBY scheme.
• Check the status of your policy, premium payments and coverage.

How to download PMJJBY certificate online?

Downloading the PMJJBY certificate is easy. Follow these steps:

• Visit the website of your bank where you have enrolled for PMJJBY.
• Log in with your net banking or customer ID.
• Find the insurance section.
• Click on PMJJBY details.
• You will see an option to download the PMJJBY certificate.
• Download and save the PMJJBY certificate for your records.

Conclusion

The Pradhan Mantri Jeevan Bima Yojana is a valuable scheme from the Indian government that gives simple and affordable life insurance cover. It helps families manage difficult times after the loss of an earning member.

While PMJJBY provides essential life cover, it’s equally important to consider additional protection for medical emergencies. Many individuals choose to complement this scheme with a health insurance policy to manage rising hospital and treatment costs. It provides financial safety during sudden health emergencies.

FAQs

• What is the age limit for PMJJBY?

18-50 years, with renewal allowed up to 55 years.

• How much insurance cover does PMJJBY give?

It gives ₹2 lakh to the nominee in case of the death of the policyholder.

• Can I join PMJJBY without a bank account?

No, you need to have a savings bank account to join the scheme.

• Is any medical test needed to join PMJJBY?

No, you do not need any medical tests to enrol.

• How can I claim the PMJJBY insurance?

Your nominee has to submit a claim form along with a death certificate and other bank documents to the bank where the policy is active.

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

This year, IRDAI has brought important updates to health insurance and term insurance policies in India. These changes aim to give better protection and make insurance more consumer-friendly. The new rules focus on areas like waiting periods for pre-existing diseases, premium stability, cashless claims, surrender value and more. Here is a simple breakdown of the new IRDAI health insurance guidelines for 2025.

List of new health insurance guidelines by IRDAI

Here’s a detailed look at the key health insurance guidelines introduced by IRDAI in 2025, aimed at improving accessibility, affordability and transparency for all policyholders:

1. Health insurance plans for all age groups

According to the IRDA regulations for health insurance, companies can no longer set an upper age limit for new policies. Earlier, most policies were not available to people above 65 years. Now, at least one policy must be offered to every applicant, regardless of age. This change helps elderly people get health insurance at any stage of life.

2. Pre-existing disease waiting period reduction

The waiting period has been reduced for pre-existing diseases. Earlier, policyholders had to wait up to four years for coverage of such diseases. Now, as per the latest IRDAI health insurance regulations, the maximum waiting period is three years. After this period, insurance companies must cover pre-existing diseases. This makes it easier for people with health issues to get treatment without a long wait

3. Cashless claim settlement

Insurers must now have a network of hospitals that support cashless claim payments. IRDAI guidelines on health insurance state that policyholders can get treatment at these hospitals without paying from their pocket first. The insurer pays the hospital directly. This reduces financial stress during emergencies and makes the claim process smoother

4. The moratorium period has been reduced

The moratorium period has been reduced to five years under the IRDAI's new guidelines for health insurance. Earlier, this period was eight years. After five years of continuous coverage, insurers can't deny claims because of non-disclosure of pre-existing conditions, except in cases of fraud. This rule applies to both porting (changing insurers) and migration (changing plans within the same insurer). Policyholders get more confidence that their claims will not be rejected after this period.

5. Ayush coverage

AYUSH treatments (Ayurveda, Yoga, Naturopathy, Unani, Siddha, Homoeopathy) are now covered up to the full sum insured. There are no sub-limits on AYUSH expenses. The range of treatments remains the same, but now policyholders can claim the full amount for these treatments. This encourages holistic healthcare and gives policyholders more choices.

6. Customised plans for specialised groups

Insurers must offer customised health insurance plans for different groups, including senior citizens, children, students and maternity cases. Specialised plans help people choose coverage that fits their unique needs.

7. Specific disease waiting period adjustment

The waiting period for specific diseases and procedures, like joint replacement, has also been reduced from 4 years to 3 years. This means policyholders can claim for these conditions sooner than they could before.

8. Inclusivity for severe medical conditions

Insurers cannot deny health insurance to people with severe pre-existing conditions like cancer, heart disease or AIDS. These health insurance IRDA guidelines are more inclusive and ensure that people with serious illnesses can get coverage.

9.Model products for vulnerable groups

IRDAI has asked insurers to design model products for vulnerable groups. These include senior citizens, people with disabilities and those with critical illnesses. The primary purpose of these model products is to make health insurance accessible to every citizen.

10. Allowance for multiple claims across insurers

Policyholders can now file multiple claims with different insurers if they have more than one policy. This gives more flexibility and ensures wider coverage for policyholders.

Conclusion

The IRDAI's new guidelines for health insurance make medical services more accessible and fair for everyone. There are no age limits, waiting periods have become shorter and claim processes are now faster. AYUSH treatments will now get full coverage, and people with severe illnesses are no longer left out. These changes help more people get the protection they need and build trust in the insurance system.

FAQs

• Who can buy health insurance now?

Regardless of their age, caste or creed, anyone can now buy health insurance.

• What is the new waiting period for pre-existing diseases?

The waiting period is now a maximum of three years.

• Can I get cashless treatment?

Yes, you can get cashless treatment at network hospitals.

• Are AYUSH treatments fully covered?

Yes, AYUSH treatments are covered up to the full sum insured.

• Can people with serious diseases get insurance?

Yes, insurers cannot deny coverage to people with severe conditions.

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

Are you confused about choosing a high vs low deductible health insurance plan? This is a common question for many people trying to balance healthcare needs with monthly costs. The right choice depends on how often you expect to use medical insurance and how much you can afford to pay out of pocket. This guide will help you choose rig insurance, keeping in mind your medical needs and financial limits.

What are deductibles in health insurance?

When settling a health insurance claim, you are required to pay a portion of the claim amount. This portion is known as the deductible. Health insurance includes two kinds of deductibles: compulsory and voluntary.

A compulsory deductible is set by the insurer, typically around 10% of the claim amount. A voluntary deductible is chosen by the policyholder at the time of purchasing the policy. Depending on what you choose, your health insurance plan can have either a high or low deductible.

What is a high deductible health insurance policy (HDHP)?

A high-deductible health insurance plan is a type of medical insurance policy under which you pay a higher portion of your medical expenses before your insurance coverage kicks in. With this plan, you typically pay lower premiums, which can save you money upfront.

However, since the deductible is higher, you will need to pay more out of your pocket before raising health care insurance.

Features of high deductible health insurance plans

Key features of high deductible health insurance plans:

• Higher out-of-pocket costs: You pay more upfront before insurance starts covering expenses.
• Lower premiums: Monthly or yearly premiums are lower, making these plans more affordable.
• Best for the young and healthy: Ideal for those with few medical needs and no chronic conditions.
• Risk of high expenses: Sudden medical issues can lead to high personal costs.

What is low-deductible health insurance?

A low deductible health insurance plan requires you to pay less out of pocket before the insurer starts covering costs. In return, you pay higher premiums. Though the monthly cost is higher, your insurance begins covering medical expenses earlier.

Features of low deductible health insurance plans

If you prefer paying less out of pocket when medical issues arise, a low deductible health insurance plan might be the right fit for you. Here are its key features:

1. Lower out-of-pocket costs: You pay less before insurance starts covering expenses.
2. Higher premiums: Monthly or yearly premiums are usually higher.
3. Faster coverage: Insurance kicks in quickly, easing the cost of hospitalisation.
4. Best for frequent medical needs: Ideal for those with chronic conditions, families or regular doctor visits.

High vs low deductible health insurance: Key difference

When comparing high vs low deductible health insurance plans, it's important to understand how they impact your costs and coverage:

Should you choose a health plan with a higher deductible or a lower deductible?

The decision depends on two main factors:

1. Your healthcare needs
2. Your budget

• Choose a high deductible plan if:

A high deductible health insurance plan is a good option if you’re young, healthy and don’t require frequent medical attention. It works well for those who already have basic coverage through an employer or another source, and are primarily looking for financial protection against major illnesses or emergencies.

• Choose a low deductible plan if:

On the other hand, a low deductible plan is better suited for individuals or families with ongoing medical needs, chronic conditions or upcoming treatments. This plan is ideal if you prefer predictable healthcare costs, even if it means paying higher premiums.

Conclusion

Choosing between a high vs low deductible health insurance plan depends on your health condition, budget and risk tolerance. It’s important to weigh the pros and cons based on your personal needs. If you're not sure what to choose, consult a financial or insurance advisor to make an informed choice.

FAQs

• Who should choose a high deductible plan?

It's suitable for healthy individuals with fewer medical needs who want lower premium costs.

• Are low deductible plans better for families?

Yes, as their quick coverage helps with big or frequent medical bills.

• Does every health plan have a deductible?

No, not all health plans cover deductibles. A regular health insurance plan has a deductible for specific coverage.

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

Policies like health and life insurance cushions you and your family against financial shocks when life takes a turn. But not all insurance works the same way. Life insurance and health insurance for family serve very different purposes. Let’s break them down so you know exactly what each one does and how to choose what is right for you.

What is a life insurance policy?

A life insurance policy is a contract where you pay a premium, and the insurer pays a fixed sum, called the sum assured, to your family if you pass away during the policy term.

What are the types of life insurance policies?

The right life insurance plan depends on your goals, budget and life stage. Here are the main types of life insurance policies:

1. Term life insurance: This is the most affordable and simple life cover. Your family will receive the full payout if something happens to you during the years you are paying a fixed premium.
2. Whole life insurance: This type of insurance covers you for your entire lifetime, often up to the age of 99 or 100. Your family receives the full payout whenever you pass away.
3. Endowment plans: An endowment plan provides life insurance coverage along with a savings component. It pays a lump sum either if you pass away during the policy term or if you outlive it.

What is a health insurance policy?

Health insurance is a policy that helps you manage the cost of medical treatment. The insurer will cover your hospital bills either directly at network hospitals or by reimbursing you, as long as your health insurance policy is active and premiums are paid on time.

What are the types of health insurance policies?

Health insurance comes in various forms. The different types include:

1. Individual health insurance: This covers only the policyholder. It offers a dedicated sum insured and is best for those with specific health needs or who live alone.
2. Group/employee health insurance: This policy type is normally provided by employers. It covers a group of people under one plan. This plan is convenient but limited to your employment duration and may not always offer comprehensive coverage.
3. Senior citizens’ health insurance: Such policies are customised for individuals aged 60 and above. They offer higher coverage for age-related ailments, pre- and post-hospitalisation and often require a medical check-up before policy approval.
4. Family floater plan: This plan covers your entire family under a single sum insured. For instance, if you have a ₹10 lakh floater plan, any family member can use up the sum based on their medical needs.
5. Critical illness plan: This provides a lump-sum payout upon diagnosis of specific life-threatening diseases like cancer, heart attack or stroke.

How does a life insurance policy work?

A life insurance policy pays a fixed amount to your nominee if you pass away during the policy term. You pay regular premiums monthly or yearly for coverage. The amount depends on your age, health and the type of plan. Certain life insurance policies, like endowment plans, whole life insurance or return-of-premium term plans, may give you a maturity benefit if you outlive the policy term. However, standard term plans usually do not include this feature.

How does a health insurance plan work?

Health insurance covers medical expenses through two claim types: cashless, where the insurer directly pays the network hospital, and reimbursement, where you pay upfront and later submit documents to get the amount refunded.

What is the difference between health insurance and life insurance?

If you have been wondering what is the difference between health and life insurance, here is a quick look at how they differ:

Health vs life insurance: Which one should you choose?

It is not a question of health insurance vs life insurance. Both are important. However, start with an affordable term life policy for high coverage, then add a health insurance plan (individual or floater based on family size). For added protection, consider riders like critical illness or accidental cover.

Conclusion

Both health insurance and life insurance play a distinct role in safeguarding your future. Treatment expenses are rising every day, and having the right medical insurance can protect your savings and give you peace of mind during emergencies.

FAQs

• What is the key difference between life and health insurance?

The difference between life and health insurance is that life insurance pays your family after your death, whereas health insurance covers medical costs while you are alive.

• How do benefits differ between health vs life insurance?

The difference between health insurance and life insurance is in the benefits. Health insurance pays for treatment, and life insurance pays a lump sum to your family.

• What is the role of life insurance vs medical insurance in planning?

Life insurance vs medical insurance comes down to timing. One supports your family after you are gone, and the other helps with treatment costs now.

• What is the life insurance and health insurance difference for tax?

The difference between life insurance and health insurance for tax purposes is that life insurance falls under Section 80C, while health insurance qualifies under Section 80D.

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

If the past few years have taught us anything, it’s that life can change overnight. A sudden illness, a medical emergency or the loss of a loved one can have a lasting financial impact. That’s when the right insurance becomes essential. Two of the most discussed options are health and term insurance. Though both offer protection, they serve different needs. This blog breaks down what each one does and how they are different.

What is term insurance?

Term insurance offers financial protection for a fixed period. It is one of the easiest and most affordable ways to ensure that your family or dependents remain financially secure in case of your untimely death.

With a term insurance policy, you pay regular premiums to the insurer for a pre-decided term, say, 10, 20 or 30 years. The insurance provider will pay a one-time payout to your nominee if you pass away during this term.

What are the types of term insurance policies?

Each term insurance plan is designed to match specific financial goals and life stages. The main ones are:

1. Level term insurance: The sum assured stays constant throughout the policy term. It suits individuals with steady financial responsibilities who prefer fixed coverage at a lower premium.
   
   
2. Increasing term insurance: The sum assured rises annually by a fixed percentage or as per the insurer’s terms. It is ideal for those who expect future increases in financial obligations due to inflation or life changes.
   
   
3. Decreasing term insurance: The sum assured under this policy reduces gradually over time. It is typically aligned with a decreasing liability, like a home or personal loan.
   
   
4. Return of premium: This plan returns the premium amount paid if the policyholder outlives the policy term. It also combines life cover with a savings element, making it appealing for those who want to receive a return if no claim is made.
   
   
5. Convertible term insurance: This insurance type allows the policyholder to convert the term plan into another life insurance product, such as a whole life or endowment policy, later on.

What is a health insurance plan?

Health insurance covers medical expenses that result from illnesses, accidents or hospitalisation. It ensures that medical bills don’t eat into your savings and helps you access quality healthcare without financial stress.

You can pay regular premiums in return for financial coverage against a range of medical needs, including hospitalisation, pre- and post-hospitalisation expenses, ambulance charges and surgeries. Some plans also cover some outpatient (OPD) treatments, maternity and newborn care and critical illness treatment.

What are the types of health insurance plans?

Health insurance comes in various forms to suit different age groups, family sizes and health conditions. The most common types are:

1. Individual health insurance: This plan covers a single person. Premiums depend on one’s age, medical history and chosen sum insured. It is ideal for self-employed individuals or those without employer-provided coverage.
   
   
2. Family floater plan: This policy covers multiple family members under one sum insured. It is more cost-effective than buying separate individual plans.

3. Senior citizen health insurance: This policy is for those aged 60 and above. They come with higher premiums but include cover for age-related conditions like cardiac issues and joint replacements.
   
   
4. Critical illness plan: This policy provides a lump sum payout for the treatment of a specified critical illness. It can be bought standalone or as an add-on and helps cover both treatment and non-medical costs.
   
   
5. Group/corporate health insurance: This type of insurance is typically provided by employers and offers basic health coverage, which may also extend to family members. However, it is less customisable and ends when you leave the organisation.

What is the difference between health insurance and term insurance?

Now, let us simplify term insurance vs health insurance for you:

Health vs term insurance: Which one should you choose?

Health insurance helps cover medical costs and is essential for managing rising treatment costs, especially if you have dependants or lack employer-provided coverage. On the other hand, term insurance ensures that the family is financially secure in the event of the policyholder’s passing. This is vital if you have loans or people who rely on your income. The ideal approach, rather than choosing health insurance vs term insurance, is to have both.

Conclusion

Health and term insurance serve different but equally important purposes in your financial planning. The main difference between health and term insurance lies in the type of protection they offer. While health insurance supports your well-being during your lifetime, term insurance safeguards your loved ones’ future. Together, they form a well-rounded protection plan for both your present and your family's long-term security.

FAQs

1. What is the difference between term life insurance and health insurance?
   
   Term insurance vs medical insurance differs mainly in purpose. Term insurance pays a lump sum on death, while medical insurance covers hospital and treatment costs.
   
   
2. What is the difference between term and health insurance in premiums?

Term insurance generally has lower premiums but offers no survival benefit. Health insurance premiums are higher due to frequent claims and ongoing healthcare coverage.

1. Which is better: health or term insurance?
   
   Understanding which is better, health insurance or term insurance, depends on your needs. Health insurance is for medical coverage; term insurance is for family protection.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Buying health insurance is an important decision, especially when choosing between individual health insurance and family floater plans. Though they seem similar at first glance, they work quite differently and can affect your coverage and long-term costs. Knowing how they differ is crucial because that knowledge helps you choose what suits your family best.

What is individual health insurance?

Individual health insurance is a type of health plan that provides medical coverage to a single person. All costs, whether it is hospitalisation, surgeries, doctor consultations or diagnostics, are covered under that person’s policy.

What is family floater health insurance?

A family floater health insurance policy offers health coverage to the entire family under one policy. The entire household, which usually has spouses, children and sometimes parents, shares one sum insured.

What is the difference between individual and family floater health insurance?

Now, let us compare individual and family floater health insurance plans:

What are the benefits of family floater health insurance plan?

Family floater vs individual health insurance comparisons often lean in favour of floaters when budget and simplicity matter most. Let us understand why families prefer floater plans:

• Cost efficiency: A single premium covers everyone. This makes it a cheaper option than paying for several individual policies.
• Simplified management: One policy means less paperwork, easier renewals and a single insurer to deal with.
• Flexible usage: Any family member can use the available sum insured when needed.
• Tax benefits: Under Section 80D, you can claim up to ₹25,000 for yourself, spouse and children and also up to ₹50,000 for senior citizen parents. The total deduction can go up to ₹1,00,000. Preventive check-ups are included within these limits, up to ₹5,000.
• Suitable for nuclear families: Shared coverage works perfectly for families that rarely need simultaneous treatment.

What are the benefits of an individual health insurance plan?

The benefits of an individual health insurance plan include:

• Personalised coverage: Individual health insurance can be customised for one person. It is a good choice for individuals with chronic conditions or special requirements.
• Dedicated sum insured: No one else can use your cover, so you are fully protected.
• Guaranteed access: There won’t be any worries about someone else using the coverage before you do.
• Tax savings: Premiums are eligible for deduction under Section 80D of the Income Tax Act, up to ₹25,000.

Individual vs family floater health insurance: Which is better?

So, family floater or individual health insurance which is better? It depends on your situation. Choose individual health insurance if you or a family member has a medical history, prefer guaranteed coverage and can afford separate premiums.

Opt for a family floater plan if you're generally healthy, want to save on premiums and need a single, manageable policy for younger family members with fewer medical needs.

Conclusion

If you are thinking about which is better, family floater or individual health insurance plan, the right choice boils down to your family’s medical history, financial situation and preferences. Family floater plans are great for affordability and ease, but individual policies provide personal and predictable protection. In many cases, families combine both for optimal coverage.

FAQs

• What is the main difference between individual vs family health insurance?

The main difference between family floater and individual health insurance plans is who the coverage applies to. With individual health insurance, the sum insured is reserved for one person. However, in a family health insurance policy, the entire family shares the same coverage limit.

• How does family floater vs individual health insurance compare in terms of cost?

A family floater plan is usually more economical because one premium covers all family members. But, individual health insurance might be a smarter choice for personalised coverage if one member is older or has health issues.

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

Dealing with health insurance isn’t always the smoothest experience. It can be overwhelming to keep track of renewal dates, manage paperwork, and figure out claims. To simplify this experience, ICICI Lombard introduced the IL TakeCare (ILTC) App, a user-friendly digital platform designed to help you take control of both your health and insurance. Here's a closer look at how it works.

What is IL Take Care app?

The IL TakeCare App is a digital platform developed by ICICI Lombard to manage insurance and basic healthcare needs. It supports services across health and motor insurance by combining practical tools like policy access, claim submission and teleconsultation in one mobile app.

You can also use this app to access your insurance documents, check health vitals through a face scan, book medical consultations and locate nearby network hospitals or garages.

Features of ILTC health insurance app

The app brings together a wide range of features to simplify both health and insurance management. Using just your phone’s camera, the face scan tool tracks vital health indicators like heart rate, blood pressure, and stress levels.

The app enables 24/7 doctor consultations and ambulance requests in case of emergencies, along with lab test bookings and digital report access. Policyholders can seamlessly manage, renew, and access all ICICI Lombard health and motor insurance policies.

Additional features like the CalScan food label scanner promote healthier eating, while in-app updates keep users informed about motor insurance news and trends. The built-in locator helps find nearby cashless hospitals and authorised garages, and a digital health card ensures quick, paperless admission at network hospitals.

Benefits of ILTC health insurance app

The IL TakeCare app streamlines the management of health and insurance needs through a single, easy-to-use platform. It offers 24/7 access to policy details, doctor consultations, and insurance renewals, making the process more convenient and eliminating the need for physical paperwork or branch visits. With features like real-time claim tracking and instant teleconsultations, users can save time while staying in control of their coverage.

The app also promotes proactive health management by tracking vital signs, physical activity, sleep, and nutrition. In case of emergencies, users can quickly access ambulance services and locate nearby cashless hospitals or authorised garages.

For motor insurance, the InstaSpect feature allows hassle-free self-inspection of vehicles using just a smartphone.

How does the ILTC medical insurance app work?

Using the IL TakeCare app is straightforward and designed for ease. Simply download it from Google Play or the App Store and log in with your mobile number and OTP.

Once logged in, you can link your ICICI Lombard policy to access details and your digital health e-card. The app lets you monitor your health using the face scan feature or by syncing with Google Fit or Apple Health. You can consult certified doctors through the Hello Doctor feature via video or audio and receive digital prescriptions. It also helps you locate nearby cashless hospitals and authorised garages using GPS.

For claims, you can submit documents, conduct self-inspections, and track the status in real time. Policy renewal is equally seamless—just review the details, confirm the premium, and make the payment within the app.

How to download the ILTC health insurance app?

Getting started with the ILTC health insurance app is simple. Android users can download it from Google Play by searching for ‘IL TakeCare’ and tapping ‘Install,’ while iPhone users can find it on the App Store under ‘IL TakeCare Insurance App’ and tap ‘Get.’

The app ensures secure access through OTP verification and uses encrypted channels to protect your personal information.

How to renew health insurance with ILTC app?

Renewing your health insurance on the ILTC app takes just a few minutes. Here is what you should do:

1. Open the app and log in.
2. Go to the ‘My Policies’ section.
3. Tap on the policy due for renewal.
4. Review your details and premium.
5. Choose your payment method and confirm.
6. Get an updated e-card instantly in the app.

Conclusion

The IL TakeCare app from ICICI Lombard brings real utility to the way health insurance is managed. It simplifies everyday tasks and keeps essential features easily accessible for anyone using ICICI Lombard’s health insurance services. As a complete health insurance app, it helps users stay organised, informed and better prepared to manage their insurance and overall well-being.

FAQs

• What is the benefit of using a medical insurance app like IL TakeCare?

A health insurance app like IL TakeCare helps you manage policies, book doctor consultations and file claims all in one place. It saves time and effort.

• How secure is the iltakecare login process?

The IL take care insurance app login process uses OTP verification and encrypted access to ensure your personal and policy data remains protected at all times.

• Where can I download the icici lombard medical health insurance application?

You can find the ICICI Lombard health insurance app, IL TakeCare, on the Google Play Store and Apple App Store by searching for ‘iltakecare app download.’

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

Imagine a world where early detection of lung cancer could save several lives every year. While it may not get as much attention as other health observances, World Lung Cancer Day plays an important role in turning that vision into a reality. This day helps spread awareness, supports people living with lung cancer and encourages better care and early check-ups. Read on to find out how celebrating this day makes an impact.

What is World Lung Cancer Day?

World Lung Cancer Day is held every August 1st. It helps people learn about lung cancer and why finding it early really matters. The day is coordinated by organisations such as the Forum of International Respiratory Societies (FIRS) and the International Association for the Study of Lung Cancer (IASLC). It emphasises the importance of early screenings, prevention strategies and advocating for policy changes.

World Lung Cancer Day history

World Lung Cancer Day was introduced in 2012 with the aim of spreading awareness about lung cancer. The event has grown with global campaigns, educational events and fundraising efforts since its launch.

World Lung Cancer Day significance

World Lung Cancer Day plays a critical role in:

• Raising awareness: It helps dispel myths that lung cancer only affects smokers and highlights risks for non-smokers due to genetics, pollution and other factors.
  
  
• Encouraging early screenings: Early detection significantly improves survival rates. This makes regular screenings essential.
• Supporting patients and families: It raises awareness and provides vital information and emotional support.
  
  
• Promoting lifestyle changes: It encourages quitting smoking, avoiding secondhand smoke and adopting healthier habits to reduce cancer risk.
  
  
• Providing support: The day stresses the importance of financial planning, like critical illness insurance. This eases the emotional and financial burdens on patients.
  
  
• Advocating for research funding: It calls for more investment in lung cancer research to improve treatments and patient outcomes.

Measures to prevent lung cancer

Lung cancer is considered one of the most preventable types of cancers, especially through lifestyle changes and environmental measures. Here are some major preventive measures to follow:

• Quit smoking: Smoking is the leading factor contributing to the development of lung cancer. Giving up this habit can lower the chances of getting lung cancer and other lung-related illnesses.
  
  
• Avoid exposure to secondhand smoke: Inhaling secondhand smoke can also significantly increase your risk of lung cancer, even if you don’t smoke.
  
  
• Reduce exposure to carcinogens: Minimise exposure to known carcinogens like radon, asbestos and certain chemicals in the workplace.
  
  
• Maintain a healthy lifestyle: Adopting a balanced diet, staying active and managing a healthy weight can support overall well‑being and can significantly lower lung cancer risk.

Role of community and support systems

The importance of community support in the fight against lung cancer cannot be overstated. Patient support groups offer emotional, social and practical help, providing safe spaces for individuals to connect, share experiences and learn about treatment and coping strategies.

Caregivers, often family members, are equally crucial, offering physical care, emotional support and help with daily tasks throughout the patient’s journey.

Healthcare providers also deserve recognition for their ongoing dedication to improving outcomes. From diagnosis to treatment, they deliver the care and guidance patients rely on. Together, these groups form the backbone of lung cancer support, making a meaningful difference every day.

Conclusion

World Lung Cancer Day serves as a great opportunity to raise awareness and change how we approach lung cancer. It is a day to support patients, promote early detection and push for better treatment options.

This day is also a reminder to take proactive steps in securing financial protection, such as health insurance. It will only help ease the burden that often accompanies a lung cancer diagnosis. Diagnosed individuals can then focus completely on health and recovery when they have the right coverage.

FAQs

1. When is World Lung Cancer Day observed?
   
   It is observed on August 1st every year to increase awareness about lung cancer and promote ways to prevent it.
   
   
2. What is the focus of International Lung Cancer Day?
   
   It emphasises early detection, better treatment and global support for those affected by lung cancer.
   
   
3. How does World Lung Cancer Awareness Day contribute to prevention?
   
   

It educates the public on preventive actions like quitting smoking to lower the risk of lung cancer.

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

Polio is a highly infectious disease spread by a virus that multiplies within the intestinal tract and can attack the nervous system. This can sometimes result in paralysis or even death. However, thanks to sustained global immunization efforts, many countries have successfully eradicated the disease, leading to a 99% decline in cases worldwide.

World Polio Day serves as a reminder of the progress made so far and the continued commitment needed to eliminate a virus that once paralysed thousands of children every year. This blog dives deeper into the history and significance of this day.

What is World Polio Day?

World Polio Day is observed every year on 24th October to honour decades of progress in the battle against polio. The number of polio cases has dropped considerably in the last 35 years, from 350,000 cases in 1988 to less than 10 cases globally in recent years.

Yet, the virus still exists in a few countries. This means that the fight isn’t over just yet. Observing this day is a reminder that ongoing efforts are essential to protect every community and ensure polio remains in the past.

World Polio Day history

World Polio Day was established in the year 1985 by Rotary International to honour the birth of Dr Jonas Salk, the scientist who led the first team to develop the Inactivated Poliovirus Vaccine (IPV) in 1955. In 1962, Dr Albert Sabin introduced the Oral Polio Vaccine (OPV), which further advanced immunisation efforts due to its ease of administration.

The Global Polio Eradication Initiative started in 1988 through a collaboration between WHO, Rotary International, the Centres for Disease Control and UNICEF. At that time, polio was still endemic in 125 countries. Today, due to sustained global efforts, that number has dwindled to just two: Pakistan and Afghanistan.

In 2002, the WHO declared the European Region polio-free, and since then, World Polio Day is celebrated every year on 24 October.

World Polio Day significance

World Polio Day plays a key role in educating the public that polio, though rare, still exists and could resurge without continued vaccination. It also recognises the power of global partnerships that have driven progress through cooperation and innovation.

Why celebrate World Polio Day?

World Polio Day celebration is all about pushing forward. What it aims to achieve is:

• Acknowledge progress made in disease elimination over the past three decades.
• Educate the next generation on the importance of vaccines in global health.
• Remind leaders and communities that efforts must continue until polio is eradicated from every corner of the globe.
• Encourage people to contribute by donating time, money or spreading awareness.
• Emphasise health security because eradicating a disease like polio means preventing its potential return and safeguarding global health.

Measures to prevent polio

While polio has no cure, it is entirely preventable. Some of the other major prevention strategies include:

• Timely immunisation with both IPV and OPV as part of national vaccination programmes.
• Receiving booster doses as recommended by health authorities.
• Improving hygiene and sanitation, especially in regions where the virus is still a threat.
• Promoting public education to counter misinformation and raise awareness.
• Strengthening surveillance and enabling early detection of any outbreaks.
• Practising respiratory hygiene, like covering the mouth when coughing or sneezing.

Role of community and support systems

Polio eradication is a shared responsibility that depends on the coordinated efforts of many. Parents ensure children receive all recommended vaccine doses, while healthcare workers bring immunisation to even the most remote areas.

Volunteers and NGOs raise awareness and support community outreach, often bridging gaps in access. Influencers and local leaders help build trust by addressing doubts and misinformation, making vaccination more widely accepted.

Conclusion

World Polio Day reminds us that continued awareness, vaccination and community action are essential to eliminate the disease completely. It also reminds us how important it is to be ready for life’s unexpected turns.

Diseases like polio can have lasting effects. This is why having a reliable health insurance policy is crucial. These offer financial protection and also help you focus on the health and safety of your loved ones.

FAQs

1. When is International Polio Day celebrated?
   
   World Polio Day is celebrated every year on 24th October to raise awareness about polio prevention and global vaccination efforts.
   
   
2. What is the history behind World Polio Day?
   
   Rotary International established World Polio Day in honour of Dr Jonas Salk, who developed the first effective polio vaccine.
   
   
3. How is National Polio Day celebrated?
   
   Polio Day is marked by global events, awareness drives, vaccination campaigns and discussions on the World Polio Day theme each year.

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

Last updated on: 4 Jul 2025

Love handles, those double pockets of fat around the waist, can become a frustrating challenge for many. While spot reduction is a myth, targeted exercise can help tighten and tone the surrounding muscles, contributing to a more sculpted waistline. Let’s delve into five fantastic exercises that can make up an effective love handle workout to say goodbye to those pesky handles and hello to a more confident you. Do complement the love handle workout with a balanced diet and holistic fitness approach for the best results.

What are love handles?

Love handles refer to the pockets of fat that appear on the sides of your waist. They usually become more noticeable when wearing tight clothing or bending sideways. Despite the name, there’s nothing particularly lovely about them when they affect your confidence or health.

This type of fat is known as subcutaneous fat and can be stubborn to lose. It builds up due to a combination of factors like unhealthy diet, lack of exercise and even hormonal imbalances.

Do love handles pose risks?

While love handles may seem like just an aesthetic issue, they might also be a sign of increased fat accumulation around the abdomen. This type of fat, especially visceral fat, is linked to serious health problems such as:

• Heart disease
• Type 2 diabetes
• High blood pressure
• Stroke

Managing waist fat is not just about looking better, it’s about improving your overall health. This is particularly important as we age. Many families worry about healthcare costs for ageing parents, especially if health problems develop. This is where health insurance becomes essential. The insurance ensures they receive proper care when needed without the financial stress that can come with unexpected medical expenses.

Exercises for reducing love handles

Here are some of the most effective exercises:

• Russian twist

Russian twists are dynamic and engaging exercises targeting the oblique muscles and trim love handles. To perform this exercise, sit on the floor with your feet flat and your knees bent. Lift your feet off the ground while you lean back slightly, maintaining a straight back. Holding a weight or a suitable object, twist your torso to the right and the left.

• Bicycle crunches

Begin by lying on your back with your hands behind your head and your legs lifted off the ground. As you bring your right elbow to your left knee, simultaneously extend your right leg. Alternate sides, creating a pedalling motion while engaging your core and obliques. T

• Side planks

Start by lying on your side, supporting your body weight on one forearm with one foot stacked on top of the other. Lift your hips off the ground, aligning your head and heels in a straight line. Hold this position, feeling the deep engagement of the obliques and the lateral core muscles.

• Standing side crunches

While on your feet, stand with your feet hip-width apart and your hands gently clasped behind your head. Slowly bend to the right side to bring your right elbow towards your hip. Return to the upright position and repeat on the left side.

• Woodchoppers

Stand with your feet shoulder-width apart and a weight held with both hands above one shoulder. As you chop diagonally across your body, pivot your feet and engage your core to complete the motion.

Diet tips to reduce love handle fat

Here are some simple but effective dietary changes:

• Cut back on sugar and refined carbs: These are stored as fat, especially around the belly.
• Increase protein intake: Protein keeps you quite full and helps build lean muscle.
• Eat more fibre: Soluble fibre from fruits, vegetables and oats can help reduce belly fat.
• Stay hydrated: Sometimes, thirst might be mistaken for hunger. Water aids digestion and reduces bloating.
• Avoid processed foods: Try to stick to whole, natural foods whenever possible.

Conclusion

Love handles may seem like a small issue, but they can reflect deeper health concerns. When you combine targeted exercises with a balanced diet, you can reduce excess fat and improve your well-being. It's also wise to think ahead about long-term health, especially for ageing family members.

Along with fitness and nutrition, senior citizen health insurance ensures they are covered for unexpected health 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.