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  • Family Floater Critical Illness Plan: Coverage & Benefits

    by mohit bohra | Apr 14, 2025

    A family floater critical illness plan protects the health and financial well-being of your family members. These policies pay a one-time lump sum amount on the occurrence of certain specific medical conditions defined in the policy (e.g., cancer, heart attack or stroke) and provide you with the financial support needed to fight off such illnesses. Read on to understand what makes these plans unique and how they can protect your family.

    Features of Family Floater Critical Illness Insurance

    Comprehensive Coverage

    These health insurance plans usually cover a long list of serious illnesses, sometimes 20 or more conditions. It means you have coverage for several diseases under one policy, protecting your family from multiple health risks.

    Lump Sum Payout

    The plan provides a lump sum upon the diagnosis of a covered illness in an immediate family member. It can cover rehabilitation costs and medical expenses, and potentially compensate for lost wages, which is often a significant benefit.

    Shared Sum Insured

    The total coverage amount is distributed among family members, offering greater flexibility and cost-effectiveness.

    Pros of Opting for Family Floater Critical Illness Insurance

    • Cost-effective: Having the entire family under one plan is usually cheaper per person than purchasing a policy for each member separately.
    • Simplified Management: Having to manage only one policy makes it much simpler to stay on top of premiums, renewals and claims
    • Tax Benefits: Additionally, the insurance premiums you pay towards it can be claimed as a deduction under Section 80D of the Income Tax Act and help reduce your tax liability.

    Selecting the Right Critical Illness Insurance Plan for Your Family

    Factors to Consider

    Why It's Important

    Number of Illnesses Covered

    More conditions mean better protection

    Waiting Period

    Shorter waiting periods allow earlier claims

    Claim Settlement Ratio

    Higher ratios indicate better chances of claim approval

    Premium Cost

    Balance coverage with what you can afford

    Network Hospitals

    More network hospitals mean easier access to cashless treatment

    Conclusion

    The family floater critical illness plan is a wise way to take care of your dear ones when they are diagnosed with severe health conditions. This combination package provides peace of mind, comprehensive coverage and financial flexibility. Take into account the medical conditions prevalent in your family and evaluate whether you can manage to cover the associated expenses. Use these insights to guide your selection of the right policy.


    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.

  • Personal Accident Insurance Costs

    by mohit bohra | Apr 14, 2025

    Personal accident insurance coverage offers financial protection and support to individuals who meet with accidents or injuries. An accidental insurance cost can vary based on the type of policy, age, occupation, and coverage amount. Premiums are usually affordable, providing essential financial protection from accidental injuries, disabilities, or death.

    How Much Does Accident Insurance Cost?

    A personal accident insurance cost can vary based on several factors. They include coverage limit, deductible, type of policy you have selected, and your age. Policies that have higher coverage limits typically offer higher premiums because, in the event of a claim, the insurance company is legally obliged to pay out a larger amount. Another important factor that can help you determine the accident insurance cost is your age. If you are young, you will have to pay lower premiums as it is considered that you’re at a lower risk of experiencing accidents.

    Conclusion

    Personal accident insurance coverage can safeguard you from the unexpected financial turmoil that often comes along with accidents. So along with health insurance, you should also get personal accident insurance coverage as accidents are unexpected and can happen anytime to anyone.


    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.

  • Types of Personal Accident Insurance

    by mohit bohra | Apr 14, 2025

    There are two types of personal accident insurance policies: individual and group accident insurance. A personal accident insurance policy protects from partial or permanent disability, including death. In case of permanent disability and accidental death, the insurer compensates the insured or their family for the sum-assured coverage. 

    Types of Personal Accident Insurance

    The types of personal accident insurance policy include individual and group accident insurance. 

    • Individual accident insurance policy covers the accidental death of an individual or loss of vision or limbs following an accident. 
    • Employers avail of a Group Accident Insurance plan for their employees. This plan offers:
      • Accidental Death Cover: The sum assured goes to the nominee.
      • Permanent Disability Cover: The policyholder receives a pre-determined sum.
      • Permanent Partial Disability Cover: The insured receives 100% benefit of the sum assured.
      • Temporary Total Disability: The policyholder receives a pre-agreed amount for total disability for a temporary period.

    Conclusion

    You should purchase a personal accident insurance policy along with health insurance right away for the welfare of your family. Choosing the correct personal accident insurance depends on individual needs, risk exposure, and financial goals. Carefully review policy details, coverage limits, and exclusions for adequate protection.


    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.

  • Understanding Deductibles in Top-Up Health Insurance

    by mohit bohra | Apr 14, 2025

    Are you wondering what is deductible in top-up health insurance? A deductible is the amount you pay out of pocket for medical services before your insurer begins covering the costs. Deductibles differ based on insurance plans. Once you’ve paid the deductible in full, your insurance company will share or fully pay the expenses of your healthcare needs.

    What are the Coverages Under Personal Accident Policy?

    A personal accident policy covers several aspects, and they include:

    • Road traffic accidents
    • An injury or accident that takes place at the workplace
    • Permanent or total disability as the result of an accident
    • Injuries caused by someone’s violent action
    • Loss of body part(s) or the inability to fully use them
    • Injuries caused by spillages, slips, and falls

    You may also receive coverage for medical expenses related to your accident, such as physiotherapy. Depending on your lifestyle and needs, some policies could be more flexible and include other scenarios. If the policyholder dies in an accident, the nominee will receive 100% of the insured amount as compensation.

    Conclusion

    A deductible in top-up health insurance is a predefined amount that has to be paid out-of-pocket before the top-up policy provides coverage. It helps in managing premiums and provides additional protection for high medical costs. This facet makes it a valuable addition to a comprehensive health insurance plan. Understanding how the deductible works and choosing the right amount can optimise the benefits of top-up health insurance.


    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.

  • What Personal Accident Insurance Covers

    by mohit bohra | Apr 14, 2025

    Accidents can occur anytime and without warning and personal accident insurance can provide financial protection when needed. The question is, what does a personal accident policy cover? Most of us know it is a valuable addition to an individual's insurance portfolio, offering support when unexpected events occur.

    What are the Coverages Under Personal Accident Policy?

    So, what is covered by personal accident insurance? PA insurance typically covers:

    • Accidental Death: Provides a lump sum benefit to the policyholder's beneficiaries if the insured dies in an accident. 
    • Permanent Total Disability: Pays a lump sum benefit following a permanent total disability (PTD) to the insured that prevents them from working. 
    • Permanent Partial Disability: Offers a benefit if the insured sustains a permanent partial disability (PPD) from an accident, such as loss of limb, sight, or hearing. 
    • Temporary Total Disablement: Provides a weekly or monthly benefit if the insured cannot work temporarily following an accident-related injury. 
    • Medical Expenses: Reimburses medical costs incurred from treatment of injuries sustained in an accident. This can include hospital stays, surgeries, medications, and other necessary treatments.
    • Ambulance Costs: This often includes insurance to cover the costs of taking the patient in an ambulance to the hospital following an accident.
    • Child Education Benefit: If the insured’s death or permanent total disability is caused by an accident, this benefit will cater to the education of their dependent children.

    Conclusion

    Now, we are better positioned to answer the question, “What does a personal accident policy cover?” Personal accidental insurance can provide significant financial support in the wake of an accident. It covers various expenses to ensure your and your family’s financial protection. Furthermore, you can opt for a comprehensive health insurance policy to alleviate further stress stemming from additional financial duress. Here’s to a happy life ahead!


    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.

  • Best Health Insurance Plans for Senior Citizens 2025

    by mohit bohra | Apr 14, 2025

    A report indicates that more than 40% of the elderly in India live with poor wealth, and 18.7% are void of any income sources. The statistics highlight the grim situation of geriatrics in India. The young generation has the responsibility to choose the best medical insurance for senior citizens in India, be it their parents or grandparents. Senior citizen health insurance is tailor-made to provide a financial cushion to people over 60 who need frequent medical assistance. Stay glued to learn more about the best health insurance policy for senior citizens in India.

    Checklist to Purchase the Best Health Insurance Plan for Senior Citizens in India

    Here are the key considerations when choosing the best senior citizen health insurance policy in India:

    • The health insurance plans usually provide coverage for pre-existing diseases but with a waiting period that can range up to 4 years. Until then, the policyholder cannot claim reimbursement for their treatment. Therefore, prioritise a policy with a smaller waiting period.
    • One of the best health insurance companies in India for senior citizens is the one associated with an expanded network of hospitals so that you can rush to the nearest hospital during an emergency.
    • Choose a policy providing a free medical check-up facility.
    • It should cover the cost of treatment at home.
    • Since the premium of senior citizen health insurance is already high, look for a policy with lifetime renewability so that you do not have to spend much on buying new policies every time.

    Best Medical Insurance Plans for Senior Citizens

    Health Insurance Company

    Available plans for senior citizens

    Basic Features

    Age criteria

    Waiting period for pre-existing diseases

    Aditya Birla Health Insurance Co. Ltd.

    Active Care – Classic, Standard and Premium

    Personal health coach, nursing at home, annual health check-up, 586 daycare procedures covered

    Min: 55 years

    Max: 80 years

    2 years

    Care Health Insurance Ltd.

    Care Senior

    Sum insured- Rs 3 lakh to 6 crore, day care treatment, ambulance cover, organ harvesting option, automatic reinstatement of sum assured, second opinion

    Min: 61 years

    Max: Lifelong

    2 years

    ICICI Lombard

    Golden Shield

    Coverage up to Rs 50 lakh, reset of sum assured, road and air ambulance, care management program

    Min: 56 years

    Max: Lifelong

    2 years

    Manipal Cigna Health Insurance Company Limited

    Prime senior – Classic and Elite

    Sum insured- Rs 3/5 lakh to 50 lakh, day care treatment, domiciliary hospitalisation, donor expenses, AYUSH treatment, mandatory co-payment

    Min: 56 years

    Max: 75 years

    2 years (can be reduced to 90 days)

    Niva Bupa Health Insurance Co Ltd.

    Senior First – Gold and Platinum

    Sum insured- Rs 5 lakh to 25 lakhs, road, and air ambulance, claim on robotic surgeries, organ donor treatment, daycare and domiciliary treatment

    Min: 61 years

    Max: 75 years

    2 years

    Star Health & Allied Insurance Co.Ltd.

    Senior Citizen Red Carpet Health Insurance Policy

    Sum insured- Rs 1 to 25 lakh, pre-medical examination not required, modern treatment facility, Outpatient consultation, co-payment of 30% for claims

    Min: 60 years

    Max: 75 years

    1 year

     

    Conclusion

    Health insurance is the sine qua non for senior citizens, considering their age and the health ailments common to their age. Compare the best insurance plans for senior citizens and choose the one that suits your parents the best.



    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.  

  • Complete Guide to Personal Accident Insurance

    by mohit bohra | Apr 14, 2025

    The nature of accidents is such that they come stealthily and depart swiftly, leaving many in tears behind them. Personal accident insurance is efficacious in such situations. The primary purpose of this is to compensate the family in the event of an accidental death or disability. Read on to learn more about the features of personal accident insurance.

     

    What are the Features of Personal Accident Insurance?

     The characteristics of personal accident insurance are:

     

    Accidental death of the policyholder

    In the event of death due to an accident, the insurance company pays the insured amount to the nominee or the dependents of the deceased. For instance, if somebody has taken personal accident insurance of Rs. 50 lakh and unfortunately passes away in an accident, irrespective of whether it is a major or minor accident, the company will pay Rs. 50 lakh to his dependents as compensation. However, the policy does not provide coverage against death due to childbirth or a complicated pregnancy.

     

    Permanent partial disability

    If an accident renders any of your body parts, say a thumb, incapacitated, the insurance company compensates a certain percentage of the sum insured according to the disability, as pre-defined in the insurance policy. If the rate is not already defined,  compensation is provided based on the medical certificate prepared by the doctor. The sum is either provided in installments or paid at once.

     

    Permanent total disability

    Any major accident can cause a disability of a permanent nature, rendering a body part entirely useless, such as loss of eyesight, hands, or limbs, a paralysis attack, or leading to coma. Such accidents can leave a person unemployed for their entire lifetime, causing financial upheaval in the family. In such cases, the insurer provides the insured sum to the dependents.

    Temporary total disability

    Few accidents cause disability for a specific period, and there is hope of a complete recovery. Such incidents are categorised as temporary total disabilities. The company provides compensation every week to the policyholder until final recovery. The sum paid is determined based on the severity of the injury. However, if the policyholder harms himself intentionally, the insurer is not liable to pay a single penny.

     

    Accidental hospitalisation coverage

    A few policies also compensate for hospitalisation due to an accident. The insurance company bears the expenses during treatment, including the doctor's consultation fee. Pre- and post-hospitalisation charges are also included. The features are very similar to those provided in a health insurance plan.

     

    Ambulance charges and coverage for carriage of dead body

    One of the noteworthy features of personal accident insurance is the coverage of ambulance charges for carrying the insured from the location of the accident to the hospital. Unfortunately, if the policyholder passes away during this time, a certain percentage of the sum insured is provided over and above the insured amount to carry the dead body home.

     

    In addition to the above features of personal accident insurance, the insurer also pays for the children's education. Compensation is provided for alteration in the house to ensure the mobility of the insured suffering total disablement. Other add-ons in the policy provide an option of loan repayment by the insurer in the event of the sudden demise of the insured.

     

    Conclusion

    The premium for personal accident insurance varies as per the profession of a person. For instance, a teacher has fewer chances of breaking legs than a mountaineer and, therefore, will pay a lesser premium. Ensure that you check out all the features of personal accident insurance and make a wise investment.


    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.  

  • Personal Accident and Sickness Insurance Guide

    by mohit bohra | Apr 14, 2025

    One can never predict when a medical emergency will happen. Having a personal accident and medical insurance policy will help you cover the expense of medical care during such unfortunate situations. However, both differ in the coverage they provide.

     

    A health insurance policy offers comprehensive coverage for healthcare costs incurred during hospitalisation and treatment.  Personal accident insurance only pays out in circumstances like loss of life, disability, or injuries due to an accident. All health insurance plans cover hospitalisation and treatment expenses for injuries sustained during an accident but don’t provide compensation for death or disability due to the mishap.  So, if one needs to cover such situations, they need to purchase personal accident insurance with their health policy.

     

    When you are searching for health insurance policies, you may come across the term sickness insurance. Both the terms are used interchangeably most of the time. However, they are entirely different. Sickness insurance provides monetary benefits in the event the policyholder gets diagnosed with a disease that can lead to permanent disability or inability to work temporarily. When you are planning to buy a policy, it is necessary to understand what is personal accident and sickness insurance, as well as health policy. This will help you choose the right one according to your needs.

    What is the major difference between health insurance and personal accident insurance?

    Many choose to have both health and personal accident insurance to ensure that they are protected against all possible health and accident risks. The latter is more targeted and offers particular benefits in the event of unintentional injuries or fatalities, whereas the former covers all health-related needs, including illnesses and certain accident cases.

     

    The major differences between health insurance and personal accident insurance are as follows:

     

    Sl No.

    Parameter

    Health Insurance

    Personal Accident Insurance

    1

    Coverage

    Illnesses, treatments, and injuries resulting from accidents.

    Injuries, disabilities, and death due to accidents.

    2

    Nature

    Comprehensive

    Accident specific

    3

    Duration

    For a specific period (Yearly Renewable )

    Accident specific timings

    4

    Policy Premium

    Based on age, health, amount of coverage

    Occupation, risk level, coverage amount

    5

    Maternity Benefits

    Yes, it can be bought as an add-on

    No

    6

    Coverage for Critical Illness

    Yes, it can be bought as an add-on

    No

    7

    Exclusions

    Pre-existing conditions, elective treatments

    Suicide, self-inflicted injuries, and risky activities may be excluded

    8

    Types of Plans

    Group, family health plan, individual health insurance, etc.

    Personal accident covers can be bought with Motor and Health insurance plans

    9

    Additional Features

    Incorporates preventive care and wellness benefits frequently.

    Restricted to benefits for accidents, wellness care not included

    10

    Waiting Period

    Yes, for pre-existing health conditions

    No

    Conclusion

    In the event of an accident, personal accident insurance offers benefits including disability payments or lump-sum payments for death or serious bodily harm. This provides financial security to the insured and his family. By covering medical expenses health insurance ensures financial stability during times of treatment and hospitalisation. 

     

    When combined, personal accident and health insurance provide a complete safety net against health-related risks.


    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.  

  • How to Get an Ayushman Bharat Health Card

    by mohit bohra | Apr 14, 2025

    The Ayushman Bharat Health Account (ABHA) card is an efficient healthcare system that safeguards your health information. It contains a 14-digit identification number—ABHA ID—and is a virtual repository of vital health information. Read more to learn how to make an ABHA card.

    How to Create an ABHA Card or Health ID Card?

    Here are the steps to follow to create a health card and how to apply for it now:

     

    • Visit the ABHA website https://abha.abdm.gov.in/abha/v3/ and ‘create ABHA number’.
    • Choose either an Aadhaar or another identity card to generate the ABHA number.
    • Enter your details to go through the declaration.
    • After carefully reading the declaration, select ‘I Agree’ and enter the OTP sent to your registered mobile number.
    • Next, hit ‘submit’, and it will successfully generate the ABHA ID number.

    Conclusion

    It is easy to learn how to create an Ayushman card online. ABHA offers a safe and secure platform for storing health information. Additionally, ensure you have proper health insurance along with your ABHA card for comprehensive 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 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.

  • Advantages of Ayushman Bharat Digital Mission

    by mohit bohra | Apr 14, 2025

    The Ayushman Bharat Digital Mission was launched in September 2021 by the National Health Authority to improve the availability, accessibility, acceptability, and affordability of healthcare through virtual more. The Government of India intends to develop an integrated digital health infrastructure for India through ABDM health card benefits. Let us better understand the benefits of the Ayushman Bharat Digital Mission. 

    Major Benefits of Ayushman Bharat Digital Mission

    The key benefits of Ayushman Bharat Digital Mission you must know are listed below:

    • Better access to healthcare services through a strategic blend of healthcare services and digital technologies. Patients can access their health records from anywhere in India.
    • Encrypted health records ensure the safety and security of your health information and restrict unauthorised access.
    • Easy access to ABDM EMR (Electronic Medical Report) online.
    • Significant reduction in patients’ waiting time, travelling time, cost, and associated expenses with online teleconsultation and pharmacy.
    • Unique Health ID (UHID) under ABDM enables centralised management of health records, making it convenient for doctors to diagnose, advise, and treat patients across India.

    Conclusion

    The ABDM transcends mere policy. It is an upgrade to the Indian healthcare system. Embracing a comprehensive healthcare approach with health insurance guarantees that top-notch medical advice and essential medications are always a moment away.


    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.

  • Difference Between Term & Accident Insurance

    by mohit bohra | Apr 14, 2025

    Life is unpredictable, and unexpected events such as accidents can bring about substantial financial, emotional, physical, and psychological challenges for you and your loved ones. Term insurance and accident insurance are products designed to support you through difficult times and offer peace of mind. We'll examine the difference between term insurance and accident insurance to help you make an informed decision tailored to your needs.

     

    Difference Between Term Insurance and Personal Accident Insurance

    There exists a significant difference between personal accident and term insurance. The two are compared below:

    Aspects

    Term Insurance

    Personal Accident Insurance

    Tenure

    Between 5 to 40 years

    1 year

    Renewal

    No need

    Subject to annual renewal

    Coverage Amount

    Maximum 20 times your annual income

    Maximum 10 times your yearly income

    Disability Cover

    The basic term plan does not offer disability benefits; policyholders can take insurance riders for the same

    It covers disability and accidental death.

    Risk Factor

    The basic term plan covers natural death only

    PAI covers the risk of accidental death and disability

    Compensation

    Beneficiary gets claim amount in the event of death

    Compensation includes coverage for medical expenses in the event of accidental injury or death

     

    Conclusion

    Terms and conditions of term and personal accident insurance can vary from insurer to insurer. Browse comparison websites for the best health insurance policies, consult an insurance advisor, and make an informed decision to secure yourself against financial shocks during the unplanned events of your life. Get insured today for a safe tomorrow.


    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.

  • TPA Claims Processing Methods

    by Almog Ramrajkar | Apr 14, 2025

    TPA is the abbreviation for Third-Party Administrator, which is an agency or an organisation that holds a registered license from the Insurance Regulatory and Development Authority of India (IRDAI) and handles some of the most important aspects of health insurance by working as intermediates between an insurance company and the insured. The third-party administrator is an outsourced entity which helps the policyholder in providing a claim within the timeframe and also assists in other activities on behalf of the insurance company. In this article, we’ll delve into how TPAs function, TPA claims processing, cashless TPA and much more.

     

    Functioning of TPAs

    Here’s how TPAs function in the case of cashless treatment:

    • Once a policyholder or an insured person files a claim, the TPA assist in speeding up the claim process, gathers all the information related to the hospitalisation of the individual and verifies the claim mentioned to meet the terms and conditions of the policy.
    • The TPA helps the policyholder to get admitted to the network hospital for the best treatment and helps to avail of cashless treatment.
    • The collaboration between the policyholder and the hospital is important in a Cashless Claims process since the bill is settled directly between these two parties and the TPA claims offers back-end support in such situations to speed up the process.

     

    This is how TPAs function in case of reimbursement treatment

    If the policyholder does not take the treatment from the networked hospital, then the policyholder will have to pay the bills out of their own pocket, and later, the TPA will assist the policyholder and apply for reimbursement from that non-networked hospital. The TPA will issue an authorization letter to the hospital, which will allow the hospital to track the case and check the medical history of the patient. The TPA insurance claims mention all the possible treatments that the policyholder is liable for and the TPA later coordinate with the hospital management team to keep track of treatment and reimburse all the bills that are covered in the policy.

     

    Conclusion

    TPAs are an integral part of health insurance companies that help a policyholder take care of the family during treatment in peace. The TPA also ensures that its customers have access to the highest quality of service and better financial support for you and your family in medical emergencies. One should invest in family health insurance and hire TPA to get their health insurance claims efficiently and effectively with full coverage. TPA ensures good networking with hospitals and provides hassle-free services to their clients.


    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.

  • Sugar vs Diabetes: Understanding the Key Differences and Risks

    by mohit bohra | Apr 11, 2025

    Yoga contributes positively to the maintenance of health. Consequently, it is essential to know when is the ideal time to practice yoga–is it after having breakfast or before it? This is a point of concern, especially regarding the functioning of the digestive system. In this article, we will learn can we do yoga after eating.

    Should I Practice Yoga After Eating?

    Several factors should be considered when you decide whether to do yoga before or after eating. These are:

    • Timing: Yoga is said to be done on an empty stomach and preferably not right after having food. For example, after having a big meal, it is advised that you should not perform yoga in the next two to three hours. This allows the human body ample time to prepare for digestion to enable the breakdown of the consumed foods.
    • Digestive Comfort: Yoga affects the abdomen by applying direct or indirect pressure through different poses. Having a yoga session in the evening is inadvisable because it may lead to an uncomfortable feeling, expansion, and even nausea.
    • Hydration and Rest: After yoga, it's best to wait at least 30 minutes before drinking water, taking a shower, or eating. This allows your body to fully benefit from the exercise without interference from digestive processes.

    Should you do yoga before or after eating is a common question. Most exercise specialists recommend doing yoga in the early morning before meal intake. This helps start your day with the right postural energy and improves concentration. But if you wish to practice yoga after breakfast, then it is better to wait for a few hours to allow the smooth functioning of the digestive system.

    However, remember that there is no strict rule for yoga before or after breakfast. It may vary from person to person.

    Many of you may also be wondering, ‘Can we do Surya Namaskar after eating?’ Surya Namaskar is a series of asanas carried out in form or exercise to honour the Sun God. Like any other yoga exercise, it is advised that these asanas be done early in the morning or in the evening, several hours after taking a medal. This leads to good flexibility during the practice and eliminates any discomfort.

    Conclusion

    Yoga is good for flexibility, helps reduce stress, and clears the mind. If you want to feel good during yoga, schedule your practice with meal time. It is recommended to wait for at least several hours after taking a large meal so the food is digested. Adhering to these tips is beneficial for thoroughly enjoying yoga and deriving its benefits. While performing yoga is good for health, remember that a health insurance policy gives you coverage against unforeseen incidents and medical costs. 


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

  • Health Benefits of Vitamin B12

    by Almog Ramrajkar | Apr 11, 2025

    Have you recently visited a doctor and been advised to check your vitamin B12 levels after experiencing tiredness or muscle pain? Vitamin B12 is a vital nutrient that keeps the body active and agile. While the body needs it, it cannot produce it on its own.

    Animal-based foods like meat, fish, and dairy are rich in vitamin B12. Vitamin B12 is also found in certain fortified foods and is available as supplements or injections for those needing an extra boost.

    The recommended intake for most adults is 2.4 micrograms (mcg) daily, with higher amounts advised for pregnant or breastfeeding individuals.

    Vitamin B12 supports red blood cell formation, strengthens the nervous system, and benefits the skin and hair. As per the American Journal of Clinical Nutrition, vitamin B12 offers many health benefits. Alongside regular check-ups to monitor your health, consider health insurance that covers necessary treatments.

    Benefits

    The following are some key benefits of Vitamin B12:

     

    1. Promotes the Production of Red Blood Cells

    Anaemia is a silent killer for many women and men. While most people think it's just due to low iron in the blood, a lack of vitamin B12 can also cause this illness.

    A deficiency in vitamin B12 can lead to megaloblastic anaemia, which causes fatigue and weakness. Research has confirmed that consistent B12 intake improves red blood cell health and oxygen transport.

     

    1. Boosts Energy Levels

    Do you often feel fatigued? Vitamin B12 is vital for energy metabolism, helping convert food into energy. Supplementation in deficient individuals significantly improves energy levels and reduces chronic fatigue.

    Vitamin B12 also benefits the body by regulating melatonin production, the hormone responsible for sleep cycles. Maintaining optimal B12 levels can improve sleep quality and combat insomnia. With better sleep quality, the body regenerates faster, thereby keeping energy levels up.

    1. Promotes Brain Health and Reduces Cognitive Decline

    There is a strong link between vitamin B12 and brain health. A neurology study revealed that low B12 levels increase the risk of memory loss and cognitive decline. Data shows that B12 supplementation slows cognitive deterioration in older adults.

    B12 not only helps with memory loss in adults but also supports fetal brain development. When taken in recommended amounts, it prevents neural tube defects and congenital abnormalities during pregnancy.

     

    1. Supports Heart Health

    A study shows that vitamin B12 benefits the heart by lowering homocysteine levels, a risk factor for heart disease. Research in The American Journal of Cardiology found that lowering homocysteine can reduce the chances of heart attacks and strokes.

    B12 supports heart rhythm regulation, potentially reducing the risk of arrhythmias in people with heart conditions.

     

    1. Enhances Nervous System Function

    Vitamin B12 is a critical nutrient in the formation of the myelin sheath, which maintains the health of the nerves. Research has found that B12 deficiency can lead to nerve damage and neuropathy.

    Some studies also suggest that an optimum amount of B12 in the system may reduce nerve-related pain caused by conditions like sciatica.

     

    1. Improves Mood and Reduces Depression Symptoms

    According to specialists, low vitamin B12 levels are linked to depression. B12 supports serotonin production, a mood-regulating neurotransmitter. Maintaining healthy levels of B12 could even keep anxiety, irritability, and mood swings at bay and boost the production of dopamine.

     

    1. Vitamin B12 Benefits Healthy Skin, Hair, and Nails

    Even your DNA needs B12 for repair and reproduction. This vitamin supports cellular health and reduces the risk of age-related genetic damage.

    The Indian Journal of Dermatology highlights B12's role in cell regeneration, promoting healthier skin and hair. A Clinical and Experimental Dermatology study noted that B12 deficiency causes skin disorders, hair thinning, and brittle nails. So, if you want to keep those nails strong and hair glossy, vitamin B12 should be your new best friend.

    Research links B12 to a reduced risk of age-related macular degeneration (AMD). Its ability to lower homocysteine levels helps protect the eyes from vision loss.

     

    1. Aids in Bone Health and Prevents Osteoporosis

    Research from the National Library of Medicine says that vitamin B12 deficiency correlates with lower bone density and higher osteoporosis risk. Older adults with adequate B12 levels have better bone health and experience fewer fractures during a fall.


    When to Worry About Vitamin B12 Deficiency

    Vitamin B12 deficiency can affect anyone, as it depends on the food you eat. However, keeping a tab on this vitamin becomes more critical at specific life stages due to changing nutritional needs. Here’s when to stay alert:

    • Infants and Young Children: If a mother is deficient in vitamin B12 during pregnancy, there is a higher chance that the child may suffer from it as well.
    • Pregnant Women: You not only need vitamin B12 for brain development, but it is also vital for fetal brain and nerve development.
    • Adults Over 50: Absorption of nutrients decreases with age, and people often lose their appetite. Therefore, it is crucial to include vitamin B12 supplements.
    • Vegetarians and Vegans: Plant-based diets lack vitamin B12 unless fortified foods or supplements are included.
    • People with Medical Conditions: Conditions like Crohn's, celiac, or diabetes can impair B12 absorption. It is important to visit a doctor to determine the cause of the deficiency before attempting any self-medication.

    Conclusion

    Vitamin B12 is a scientifically proven nutrient with profound health benefits. Regular intake of vitamin B12 supports overall well-being and keeps the mind sharp. Stay proactive with your health by ensuring adequate vitamin B12 levels for a healthier, more vibrant life. Pair this with the right health insurance, and you have the best solution for your medical needs. An appropriate policy will provide financial coverage during medical emergencies.


    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 Benefits of Vitamin B6

    by Almog Ramrajkar | Apr 10, 2025

    Vitamin B6, also known as Pyridoxine, is critical to the human body. The benefits of vitamin B6 are plenty, including building DNA, regulating the nervous system, preventing anaemia and aiding blood circulation. Pyridoxine is one of the eight crucial B vitamins you must consume in appropriate amounts (too much can be harmful).

    Since vitamin B6 is not produced naturally in the body, you must ensure a sufficient intake of this water-soluble nutrient through various natural food sources. Such a diet includes fortified cereals, fish like tuna, poultry, organ meats like liver, oats, nuts, starchy vegetables like potatoes and chickpeas, green leafy sources like spinach, and non-citrus fruits like bananas and papayas, among other items.

    Benefits of Vitamin B6

    Hare eight health benefits of vitamin B6:

    1. Strengthens the immune system

    With its anti-inflammatory and antioxidant properties, vitamin B6 strengthens the immune system, safeguarding you from regular infections.

    1. Enhances brain health and development

    One of the most significant benefits of vitamin B6 is its role in creating neurotransmitters. These carry signals between nerve cells, glands, and muscles, enabling various parts of the body to interact with each other and function better. Vitamins like B6 and B12 can also prevent seizures and the decline of brain function.

    1. Improves the mood and tackles depression

    Some of the neurotransmitters that vitamin B6 produces include serotonin and dopamine, which effectively enhance mood, foster better sleep and check the mood swings of premenstrual syndrome.

    1. Boosts haemoglobin production

    Since vitamin B6 helps produce haemoglobin and red blood cells, it is vital in enhancing your blood’s ability to carry oxygen.

    1. Improves blood circulation and lowers heart disease risk

    Vitamin B6 boosts cardiovascular health and efficient blood circulation. It can regulate the amount of homocysteine in your blood – an amino acid responsible for clotting and even clogging of arteries. Individuals with vitamin B6 deficiency may develop heart disease.

    1. Helps fight nausea during pregnancy

    One of the underrated advantages of vitamin B6 lies in its ability to prevent or ease nausea as well as morning sickness in pregnant women. It is, therefore, found in many pregnancy supplements and must be consumed as per recommended dosage.

    1. Reduces the risk of cancer

    Could vitamin B6 also help you prevent or fight against cancer? The answer is yes, thanks to the vitamin’s ability to grow healthy cells. Vitamin B6 also produces amino acids, which repair damaged DNA and reduce oxidative stress linked to cancer.

    1. Enables healthy skin

    Since vitamin B6 stimulates calming, feel-good hormones like serotonin and melatonin, along with regulating blood sugar levels, these factors, in turn, lead to healthy skin. Acne breakouts, for instance, are a sign of chronic stress, and Pyridoxine protects you from its ill effects. Pyridoxine is also recommended to cure lesions and rashes on the skin.

    Conclusion

    vitamin B6 plays a transformative role in the body. Its key health benefits cover basic bodily processes, including neurotransmission, haemoglobin production and converting food into energy.

    While medical experts recommend measured levels of vitamin B6 intake, sometimes the body does not absorb it. This is owing to weaknesses, including possible underlying autoimmune conditions or lifestyle issues like alcoholism. Apart from such physical limitations, it might even be difficult to keep all our vitamin intake on track, which can result in unexpected illness or hospitalisation in the long run. It's advisable to get regular checkups done and speak to your medical professional regarding nutrient deficiencies. For medical emergencies though, especially those causing financial strain, having a trusted mediclaim policy well in advance is a useful option to fall back 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.

  • What to Know About Vitamin K2

    by Almog Ramrajkar | Apr 10, 2025

    Vitamins play a key role in keeping us healthy. Although vitamin K2 is not widely known as other vitamins, it is vital for good health. It strengthens bone and heart health and promotes healthy blood coagulation. This blog covers everything you need to know about vitamin K2, including its benefits and symptoms of a deficiency.

    What is Vitamin K2?

    Vitamin K2 is a fat-soluble vitamin that belongs to the vitamin K family alongside vitamin K1. While K1 is mostly involved in blood clotting and is found in leafy greens, K2 is responsible for other critical functions in the body. By activating proteins that aid in calcium metabolism, it keeps calcium out of soft tissues and arteries and sends it to the bones and teeth.

    Forms of Vitamin K2:

    • MK-4: Found in animal-based foods and has a short lifespan in the body.
    • MK-7, MK-8, MK-9: Found in fermented foods and some supplements. These stay in the body longer, offering extended benefits.

    How It Works:

    Vitamin K2 activates proteins such as osteocalcin (which strengthens bones) and matrix GLA protein (which protects blood vessels). Without enough K2, these proteins cannot function properly, leading to issues with calcium balance in the body.

    Benefits of Vitamin K2

    Vitamin K2 is key to good health. Here are some of its most significant benefits:

    •     Boosts Bone Health

    Vitamin K2 strengthens bones by activating a protein called osteocalcin. This protein helps calcium stick to bones, making them denser and less likely to break. It is especially helpful for older people and those at risk of osteoporosis, a condition that weakens bones. Taking K2 regularly can help keep bones strong and healthy over time.

    •     Supports Heart Health

    Because it prevents calcium from accumulating in your arteries, vitamin K2 is excellent for your heart. This stops the arteries from narrowing and hardening, which can result in heart disease. K2 is a crucial component for your heart since it can increase artery flexibility and enhance general heart function.

    •     Improves Dental Health

    Vitamin K2 helps keep your teeth strong by making sure your body uses calcium properly. It also helps build dentin, the tough layer under your enamel that protects your teeth. By supporting good calcium use, K2 makes teeth less likely to decay or weaken.

    • Prevents Osteoporosis

    Vitamin K2 works with vitamin D to control calcium in the body, ensuring it goes to the bones where it’s needed. This dynamic teamwork strengthens bones and helps prevent brittle, weak bones, such as those seen in osteoporosis. For people at risk, getting enough K2 and vitamin D can make a big difference.

    Signs of Vitamin K2 Deficiency

    Vitamin K2 deficiency is more common largely because it is not abundant in our everyday diet. A lack of K2 can lead to serious health issues over time.

    Signs of Deficiency:

    •     Weak bones or frequent fractures.
    •     Tooth decay or dental issues.
    • Hardening or stiffening of arteries (atherosclerosis).
    •     Increased risk of bleeding or bruising.
    •     Poor wound healing.

    Who is at Risk?

    •   Those with a diet that lacks fermented foods or animal-based products are at a higher risk since these are the main dietary sources of K2.
    •   Individuals with digestive disorders such as Crohn’s disease, celiac disease, or other conditions that impair nutrient absorption are also vulnerable. These conditions can make it difficult for the body to absorb fat-soluble vitamins like K2.
    •   Additionally, people taking long-term antibiotics or medications that interfere with vitamin absorption may struggle to maintain adequate levels of K2. This is because such treatments can disrupt the gut microbiome, which plays a role in producing small amounts of K2.

    Sources of Vitamin K2

    Vitamin K2 is not as widely available in foods as K1, but it can be found in certain animal products and fermented foods. Here are its best sources:

    Food Sources:

    1. Fermented Foods:                 
    •     Natto (fermented soybeans) – richest source of K2.
    •     Sauerkraut and kimchi (in smaller amounts).
    1. Animal-Based Foods:
    •     Liver and organ meats.
    •     Egg yolks.
    • Cheese, especially hard and aged varieties like Gouda and Swiss.
    1. Other Sources:
    •     Fatty fish like salmon or mackerel.
    •     Butter and cream from grass-fed cows.

    Supplements:

    For those who don’t get enough from their diet, vitamin K2 supplements are an option. These are often combined with vitamin D for improved absorption and effectiveness. Look for MK-7 or MK-4 forms for best results.

    Conclusion

    Vitamin K2 might not get the spotlight it deserves, but it is crucial for maintaining strong bones and a healthy heart. It works hand-in-hand with calcium and vitamin D to keep help body functioning properly. By including more K2 in your diet through foods like fermented products, organ meats, and supplements, you’re providing the right tools for your body to thrive.

    But along with a proper diet, good health insurance plans can support regular check-ups and treatments. It is one more way to safeguard your overall well-being and live a stress-free life.


    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.

  • Vitamin B12 Food Sources

    by Almog Ramrajkar | Apr 10, 2025

    Vitamin B12, also known as cobalamin, is an essential nutrient that plays a vital role in maintaining nerve health, red blood cell production and DNA synthesis. Unlike some vitamins, the body cannot produce vitamin B12, so it must be obtained through diet or supplements. Vitamin B12 deficiency can lead to health problems, including fatigue, neurological issues and anaemia. Therefore, incorporating vitamin B12-rich foods in your diet is crucial for maintaining overall health. 

    This blog explores 12 rich sources of vitamin B12 to ensure your diet supports your body’s needs.

    List of Vitamin B12 Rich Foods

    Vitamin B12 is your body’s powerhouse for energy and nerve function. This list highlights the top B12-rich foods to help you meet your daily requirements, catering to both vegetarians and non-vegetarians:

    1. Liver and Organ Meats

    Organ meats, especially goat and lamb liver, are among the richest sources of vitamin B12. Just 100 grams of goat liver contains over 70 micrograms of vitamin B12, far exceeding the recommended daily intake. Organ meats are also packed with iron, folate, and vitamin A. 

    2. Clams

    Clams are another excellent source of vitamin B12. A 100-gram serving of cooked clams can provide up to 99 micrograms of this vital nutrient. Clams are also rich in other essential minerals like iron, potassium, and selenium. 

    3. Fish (Salmon and Tuna)

    Fatty fish such as salmon and tuna are excellent sources of vitamin B12 and omega-3 fatty acids. A 100-gram serving of cooked salmon contains around 4.8 micrograms of vitamin B12, while tuna offers approximately 10 micrograms per serving.

    4. Eggs

    Eggs are a convenient source of vitamin B12. One large egg contains about 0.6 micrograms of vitamin B12, with most of it concentrated in the yolk. Eggs also provide high-quality protein along with vitamin D and essential antioxidants.

    5. Dairy Products

    Milk, cheese, and yoghurt are excellent sources of vitamin B12. One cup of milk contains about 1.2 micrograms of vitamin B12, while a serving of Swiss cheese can provide up to 0.9 micrograms. Yoghurt, particularly fortified varieties, is another easy option.

    6. Fortified Cereals

    Fortified cereals are a reliable source of vitamin B12 for vegetarians and vegans. These cereals are specifically enriched with vitamins and minerals, including B12. A single serving can provide up to 6 micrograms of vitamin B12, depending on the brand and formulation.

    Fortified cereals are an excellent breakfast option, especially for those who avoid animal products. Pairing them with fortified plant-based milk can further enhance their nutritional value.

    7. Fortified Plant-Based Milks

    Plant-based milks such as soy, almond, and oat milk are often fortified with vitamin B12. These products cater to vegans or individuals who are lactose-intolerant. 

    A single cup of fortified soy milk can provide around 2.5 micrograms of vitamin B12.

    8. Shellfish (Crab and Lobster)

    Shellfish like crab and lobster are rich in vitamin B12. A 100-gram serving of cooked crab contains approximately 9 micrograms of vitamin B12. Lobster offers similar nutritional benefits. 

    In addition to vitamin B12, these seafood options are high in protein and low in fat, which makes them an excellent choice for a nutrient-dense diet.

    9. Poultry

    Chicken and turkey are moderate sources of vitamin B12. A 100-gram serving of roasted chicken breast contains about 0.3 micrograms of vitamin B12, while turkey offers slightly higher levels. Lean protein options are also rich in other vitamins and minerals like niacin, selenium and zinc.

    10. Nutritional Yeast

    Nutritional yeast is popular among vegans and vegetarians due to its vitamin B12 content. This product is often fortified with B12, which provides around 2.4 micrograms per tablespoon.

    11. Trout

    Next on the list is trout, which is a freshwater fish quite rich in vitamin B12. A 100-gram serving of cooked trout provides about 7.5 micrograms of this essential nutrient. 

    In addition to vitamin B12, trout is an excellent source of protein, niacin, and omega-3 fatty acids, supporting heart and brain health.

    12. Paneer

    Paneer, a popular dairy product, is another good source of vitamin B12. It is made from milk, which contains approximately 0.85 micrograms of vitamin B12 per 100 grams. It is a great source of protein and calcium, making it a popular item in vegetarian diets. 

    Conclusion

    Ensuring an adequate intake of vitamin B12 is important for maintaining energy, supporting nerve function, and promoting overall health. By incorporating these foods into your diet, you can effectively meet your daily vitamin B12 requirements.

    However, maintaining good health also involves planning for unexpected medical needs. Investing in a comprehensive health insurance plan can provide financial protection and assistance in times of need. Moreover, it ensures access to quality healthcare, which will allow you to focus on leading a healthy and fulfilling life. Take a proactive step today by exploring health insurance options tailored to 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.

  • Overview and Benefits of Vitamin P

    by Almog Ramrajkar | Apr 10, 2025

    Vitamin P is not a vitamin but refers to a group of plant compounds better known as ‘flavonoids’ or ‘bioflavonoids’. These are vital nutrients for our bodies, helping prevent diabetes, heart disease, and more.

    Vitamin P is found in fruits, vegetables, tea, cocoa, and wine. In fact, flavonoids protect plants from UV rays, infection, and environmental stresses, helping them grow and attract insects for pollination.

    So, what are the various types of Vitamin P and how do they benefit us? Let’s find out.

    Types of Vitamin P

    Vitamin P encompasses a vast variety - over 6,000 known types of flavonoids. The first ever study establishing the existence of Vitamin P was done in 1930 when scientists extracted a plant compound from oranges and mistook it as a vitamin.

    Some of the main types of flavonoids include:

    1. Flavonols: Probably the most prevalent flavonoids, these are present in the roughage-rich foods you consume frequently. They have antioxidant properties, promoting heart health and offering protection against oxidative stress and inflammation.
    2. Flavones: Next up are flavones like Apigenin and Luteolin. Flavones are your body's equivalent to coolants. They calm inflammation, protect against infections, even cancer, and improve cognitive function.
    3. Flavan-3-ols (Catechins): These make for a good excuse to break open a block of dark chocolate. If you enjoy a good cup of tea or fruit salad bowl full of apples and pears, you’ll acquire a good amount of flavan-3-ols, which stimulate metabolism and maintain a healthy heart. 
    4. Flavanones: These are your body's detox team. Citrus fruits are a great source of flavanones, which help cleanse toxins, decrease inflammation, and boost your metabolic rate. Thus, they are an excellent addition to the diet plan.
    5. Anthocyanins: These flavonoids give fruits like blueberries and cherries their intense red, pink and blue hues. Anthocyanins promote good heart health, build muscle tissue mass, encourage healthy blood flow, and protect against chronic disease while adding their little sparkle to your diet.
    6. Isoflavones: For women experiencing menopause, osteoporosis, or hormone dysregulation, these compounds gently and naturally soothe the pain. Soy products are loaded with isoflavones.
    7. Chalcones: Chalcones are less known than other flavonoids but are equally vital. They protect from allergies, suppress inflammation, combat pathogenic microbes and maintain well-being at finer, cellular levels.

    Food Sources Rich in Vitamin P

    Since flavonoids are plant-based, many fruits and leafy greens are excellent sources of Vitamin P, as are wine, tea, and dark chocolate. You must consciously choose foods rich in Vitamin P because the human body cannot produce flavonoids by itself. Here are some sources to consider:

    • For flavonols, go for grapes, peaches, broccoli, kale, lettuce and onions.
    • Flavones are concentrated in the peels of citrus oranges, lemons, etc., as much as green leafy herbs like mint, celery and chamomile. The parsley, fenugreek and peppermint you reach out for to garnish your recipes have flavones, too.
    • Green tea, cocoa, black tea, apples, and strawberries contain high degrees of catechins or flavan-3-ols.
    • Beyond their tangy goodness, many citrus fruits (oranges, lemons, limes, and grapefruits) have high amounts of flavanones.
    • Cherries, blackberries, raspberries, blueberries, red cabbage and red grapes all contain anthocyanins.
    • Tofu and legumes like soybeans are rich in isoflavones as well as chalcones.
    • As for chalcones, they are contained in staples like tomatoes and potatoes, several fruits, wheat, and hops used in beer.

    The Benefits of Vitamin P

    Vitamin P or flavonoids are responsible for protecting plants from environmental damage, the harsh sun, infection, etc., and lend them their beautiful colour. But what about the benefits of Vitamin P for humans? Here are four among many:

    1. Promoting cardiovascular health

    Flavonoids can positively impact heart health and reduce the risk of heart disease by promoting proper blood circulation throughout the body. Types of flavonoids like flavonols, anthocyanidins, flavones, flavanones, and flavan-3-ols play a major role here.

    2. Protection from diabetes

    Flavonoids can aid our health by keeping cholesterol in check and improving insulin resistance.

    3. Enhanced brain health

    The cognitive benefits of flavonoids are also well-known. Flavonoids found in cocoa, for example, can aid brain function by improving the neural pathways that play an important role in attention and memory.

    4. Immunity and anti-inflammation

    Vitamin P contains antioxidants and has anti-inflammatory properties. This helps slow down cell damage, strengthen the immune system, treat infections, prevent allergies, and contribute to glowing, healthy skin. Consumption of Vitamin P is also linked to the prevention of cancer.

    Conclusion

    There is no denying the fact that Vitamin P – flavonoids – is power-packed with antioxidant benefits promoting overall health. However, the capacity of the human body to metabolise the plant compound remains limited, which, in turn, reduces the ultimate impact of flavonoids.

    Though maintaining a diverse diet of colourful fruits and vegetables allows you to access these incredible plant compounds and make the most of them, you must note that enjoying good health is not just about boosting your diet with the fanciest vitamins and nutrients. It’s good to prepare a safety net for when you fall ill, such as having the best health insurance, as this allows you to choose the best treatment options without worry.


    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.

  • COVID-19 Symptoms Overview

    by Tanmay Ahuja | Apr 10, 2025

    Coronavirus disease, or COVID-19 is an infectious disease caused by the SARS-CoV-2 virus. It is highly contagious. The best way to prevent transmission is to be well informed about the symptoms of Covid and how the virus spreads. The virus spreads when an infected person coughs or sneezes. COVID-19 is fatal as it attacks the respiratory system.

    What are the Symptoms of Covid-19?

    It is important to know about the symptoms to save ourselves from the virus. People can experience different symptoms. These usually begin 5-6 days after exposure to the virus and last 1-14 days. Here is the list of COVID symptoms:

    The common symptoms:

    • Fever
    • Chills
    • Sore throat

    Less common symptoms:

    • Muscle aches and heavy arms or legs
    • Severe fatigue and tiredness
    • Runny or blocked nose, sneezing
    • Headache
    • Sore eyes
    • Dizziness
    • New and persistent Cough
    • Chest pain
    • Shortness of breath
    • Hoarse voice
    • Numbness
    • Nausea
    • Vomiting
    • Appetite loss
    • Abdominal pain
    • Diarrhea
    • Loss or change in the sense of taste or smell

    Symptoms that need immediate medical attention

    • Difficulty breathing at rest
    • Confusion
    • Drowsiness
    • Persistent chest pain
    • Skin is cold and turning into a pale and bluish colour
    • Loss of speech and movement

    People with pre-existing health problems should seek medical help as early as possible, after contracting COVID-19.

    Conclusion

    The disease still looming around, we all have to be extremely careful and aware of coronavirus symptoms. We should take care of the indications mentioned above and seek medical attention as soon as possible.

    To make the treatment go smoothly and keep it affordable, opting for health insurance is a wise step. Your policy can support you greatly in time of need. It's better to stay up to date about the insurance as well as health guidelines provided by the local health authority.

  • Yoga for Diabetes: Complete Management Guide

    by Almog Ramrajkar | Apr 10, 2025

    One of the most common lifestyle diseases, diabetes, can be managed by making lifestyle changes. A proper diet, daily exercise, and medication together make for an effective remedy to this chronic condition of abnormal blood sugar levels. This blog discusses yoga poses for diabetes.

    Best Yoga Poses for Diabetes

    Yoga has been proven to be particularly effective in managing blood sugar levels. Yoga asanas for diabetes do more than just lower glucose levels in your blood. They help improve insulin sensitivity while managing your weight, which is another key factor for controlling diabetes.

    The most beneficial yoga for diabetes asanas are:

    • Legs-up-the-wall pose (Viparita Karani): This asana works by helping to reduce stress levels, thus directly impacting blood sugar levels. It is particularly beneficial in managing the condition of leg swelling that commonly occurs as a complication of diabetes.
    • Reclining bound angle pose (Supta Baddha Konasana): The reclining bound angle pose occurs as a restorative yoga for diabetes asana that helps to calm down the nervous system. It also supports a balanced endocrine system, which is one of the most important components of diabetes development and management.
    • Seated forward bend (Paschimottanasana): The seated forward bend yoga pose is efficient at improving digestion and stimulating the pancreas, which are crucial elements of glycemic control and, therefore, help in diabetes management.
    • Supported shoulder stand (Salamba Sarvangasana): Asanas for diabetes management include this inversion yoga pose that helps to regulate hormone levels. It also betters blood circulation and enhances metabolic functions of the body, thereby reversing blood flow and directly impacting body glucose levels.
    • Plow pose (Halasana): Much like the supported should stand, the plow pose stimulates the thyroid gland and improves blood circulation. It also helps tackle insomnia and related sleep problems that accompany conditions of irregular blood sugar levels.
    • Upward-facing dog pose (Urdhva Mukha Svanasana): This yoga pose is performed as a backbend that explains its impact on the bodily muscles, aiding weight loss for diabetes management.
    • Bow pose (Dhanurasana): As the name suggests, the bow yoga pose or dhanurasana requires the body to assume a bow-like form, which puts pressure on the entire abdominal area. By stimulating and strengthening the abdominal region, this yoga for diabetes asana helps lower blood sugar levels and remove toxins from the body.

    Conclusion

    Performing yoga asanas for diabetes as a daily ritual significantly helps the body to reverse its condition of high blood glucose. Additionally, try to avoid spikes in sugar levels caused by stress. Remember to get a comprehensive health insurance policy covering your medical needs.


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

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