Personal accident insurance provides coverage for unexpected accidents and can offer peace of mind to those who worry about the financial consequences of an injury or death. However, not all accidents or incidents get covered under personal accident insurance. It is important to understand what contingencies are excluded from the policy to avoid any surprises in the event of an unfortunate occurrence.

What is personal accident insurance?

Personal accident insurance is a type of health insurance policy that provides financial protection against injuries, disabilities or death caused by accidents. Unlike regular health insurance, which covers hospitalisation expenses due to illness, personal accident insurance specifically addresses accidental injuries and their consequences. This policy is beneficial for individuals with high-risk jobs, frequent travellers and those seeking additional financial security.

What is covered under personal accident insurance (PAI)?

A personal accident insurance policy typically covers the following:

Accidental Death Benefit:

• The nominee receives a lump sum amount if the insured person passes away due to an accident.

• Permanent Total Disability:

• If the insured suffers from total disability (e.g., loss of both limbs, eyesight or complete paralysis), a lump sum compensation is provided.

• Permanent Partial Disability:

• Compensation is given for partial disabilities such as loss of fingers, toes or hearing in one ear due to an accident.
• Temporary Total Disability:

• If the insured is temporarily disabled due to an accident and unable to work, weekly compensation is provided for loss of income.

1. Medical Expenses Coverage:

• Some policies cover medical expenses related to accidental injuries, including hospitalisation, surgery and treatment costs.
• Education Benefit for Dependents:

• If the policyholder dies or becomes permanently disabled, some insurers provide financial assistance for their children's education.
• Transportation and Funeral Expenses:

• Some policies cover the cost of transporting the insured’s mortal remains and funeral expenses in case of accidental death.

List of exclusions in personal accident insurance (PAI)

Despite its broad coverage, personal accident insurance policies come with several exclusions. Below are some contingencies that are not covered under PAI:

• If the policyholder has a pre-existing medical issue before buying the policy, any accident related to that condition does not get covered under the plan. To get coverage for these you would need to buy a health insurance plan and go through the necessary waiting period.
• If the policyholder is injured while participating in an activity that is unapproved or not covered under the policy or if he/she participates in any activity without the insurance company’s prior approval, the insurer will not provide any financial assistance.
• Personal accident insurance does not cover injuries or death resulting from mental illness or emotional distress. That means if a policyholder suffers from depression, anxiety, or any other mental health condition and meets with an accident, the insurer will not provide any financial assistance.
• Injuries sustained while participating in hazardous sports or activities such as bungee jumping, mountaineering, or skydiving do not get covered under personal accident insurance.
• If the policyholder is involved in an incident classified as an act of war or terrorism, the insurance company will not provide any compensation for the resulting injuries or death.
• Personal accident insurance does not cover any injuries that are self-inflicted, intentional, or caused by a policyholder’s negligence. This includes injuries resulting from the policyholder’s participation in illegal activities, such as drug abuse or alcoholism.
• Personal accident insurance typically excludes coverage for injuries sustained while flying a private aircraft. That is because a private aircraft carries a higher risk of accidents due to the lack of safety regulations and oversight.

It is important to have clarity when it comes to understanding which contingency does not get covered under personal accident insurance. If you have any questions about your policy, be sure to contact your insurance provider for clarification and clear your doubts.

Conclusion

While personal accident insurance offers extensive coverage against accidental injuries, it is essential to understand the exclusions to avoid claim rejections. Policyholders should thoroughly review their health insurance policy terms, be aware of the exclusions and choose additional riders if necessary to enhance their coverage. Being well-informed ensures better financial planning and peace of mind in times of unexpected contingencies.

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.

Cranberries are widely known for their benefits, particularly in supporting urinary tract health and providing nutrients and antioxidants. They are generally safe for most individuals, but knowing the side effects of cranberry allows you to make informed decisions about consuming them.
Read on to understand the harmful effects of cranberry.

What are the side effects of cranberry?

Although loved for their health benefits, cranberries also have some drawbacks. Here are the potential side effects of cranberry consumption:

1.     Stomach and gastrointestinal issues

The natural acids and sugars in cranberries may cause bloating, diarrhoea, or abdominal pain. This is more common in people with sensitive stomachs or those with acid reflux and irritable bowel syndrome (IBS). An upset stomach is one of the most commonly reported cranberry disadvantages. Additionally, the tannins in cranberries can have a laxative effect when consumed in large amounts, further contributing to digestive distress.

2.     Increased risk of kidney stones

Cranberries contain a high concentration of oxalates, which can form kidney stones. People prone to kidney stones should control their cranberry consumption to avoid exacerbating the issue. Excessive intake can raise oxalate levels in the urine, increasing the likelihood of stone development.

3.     Interference with medications

Cranberry products, particularly cranberry juice, can interact with certain medications. For instance, they may increase the effects of blood-thinning drugs like warfarin may lead to a higher risk of bleeding. Additionally, they may interfere with certain antibiotics, diabetes medications, and proton pump inhibitors (PPIs), potentially altering their effectiveness. If you are on any medication, consult your doctor before regularly consuming cranberries to minimise potential complications.

4.     Allergic reactions

Although rare, some people may experience an allergic reaction to cranberries. Symptoms may include itching, swelling, or difficulty breathing. Critical symptoms include swelling of the face and difficulty or anaphylaxis. Those with a known allergy to other berries or fruits from the Ericaceae family (such as blueberries) may be at a higher risk. If you notice these signs after consuming cranberries, discontinue their use and seek medical attention immediately.

5.     High sugar content in processed products

While fresh cranberries are nutritious, many cranberry juices and dried cranberry products contain added sugar. Overconsumption of these processed options can lead to weight gain, blood sugar spikes, and different health issues, including metabolic syndrome or type 2 diabetes.

Conclusion

Cranberries offer many health benefits.  However, the side effects of cranberry are the reason you should consume them safely. You must know that stomach issues and potential medication interference are common cranberry disadvantages.  So, make balanced choices and consider your health and conditions before adding cranberries. Also, check your health insurance coverage and consult your doctor to ensure they support your well-being.

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.

Mushroom soup is one of the comforting dishes rich in antioxidants and vital vitamins and minerals, including potassium, selenium, and B vitamins. This soup is comforting, nutritious, and cherished for its taste and health benefits.

This article discusses the benefits of mushroom soup and why it should be part of your meal plan.

Health benefits of mushroom soup

Mushroom soup is a powerhouse of nutrients that support overall well-being. Here’s a closer look at the benefits it offers:

1.     Rich in nutrients

Mushrooms contain vitamins and minerals like B vitamins, potassium, and selenium. Potassium helps manage blood pressure, while selenium protects your cells from damage. Plus, they allow your energy levels and brain function a little extra.

2.     Boosts immune system

Mushrooms have beta-glucans, which are natural compounds that help strengthen your immune system. They stimulate white blood cells to fight off infections, so a warm bowl of mushroom soup can be just what you need to stay healthy during flu season or when stress wears you down.

3.     Low in calories, high in fibre

Mushroom soup is a great option if you want something low-calorie but filling. The fibre content helps with digestion and keeps you feeling satisfied for longer. It also helps keep your gut healthy, which is key to overall well-being.

4.     Rich in antioxidants

Mushrooms are rich in antioxidants like ergothioneine and glutathione, which help neutralise harmful free radicals and combat oxidative stress in the body. This lowers the risk of chronic diseases, such as heart disease and cancer. Antioxidants are also crucial for maintaining healthy skin, slowing premature ageing, and protecting against environmental damage.

5.     Supports bone health

The vitamin D content in mushrooms plays a critical role in bone health, supporting calcium absorption and enhancing bone strength. Regular consumption of mushroom soup can strengthen bones and lower the risk of osteoporosis and fracture risk. Incorporating vitamin D rich foods like mushroom soup can improve bone density and overall skeletal health for individuals with limited sun exposure.

Conclusion

The benefits of mushroom soup go beyond its delicious taste. The soup has numerous advantages. It is excellent for immunity and bone health and aids in weight management. Also, its nutrient-dense profile makes it a brilliant addition to any diet. While nutrition is crucial for enhancing health, consider pairing this with a comprehensive health insurance policy to protect your well-being. Insurance coverage gives you peace knowing your medical expenses are catered for.

So, the next time you're looking for a hearty, nutritious meal, consider mushroom soup.

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

The Chief Ministers Comprehensive Health Insurance Scheme (CMCHIS) aims to provide free or subsidised healthcare to eligible families in Tamil Nadu, alleviating financial burdens associated with medical expenses.

Read along to know everything about the CMCHIS.

What is CM’s Health Insurance Scheme (CMCHIS)?

The Chief Ministers Comprehensive Health Insurance Scheme is a state-sponsored health insurance programme that provides cashless treatment for economically weaker sections.

Key highlights:

• Provides health insurance for family below a certain income threshold.
• Offers cashless treatment at recognised government and private hospitals.
• Covers major surgeries, therapies, and treatments.
• Ensures financial support for medical emergencies.

What is covered under CMCHIS (Amma Health Insurance)?

The CMCHIS offers a comprehensive coverage of medical services.

Coverage includes:

• In-patient hospitalisation.
• Diagnostic procedures.
• Pre and post-hospitalisation costs.
• Surgeries and treatments for critical illnesses.
• Maternity care and neonatal services.
• Therapy for specific chronic diseases.

Features of the Chief Minister Comprehensive Health Insurance Scheme

The chief minister health insurance scheme offers extensive benefits.

Key features:

• Cashless t
• Wide hospital n
• High coverage amount (Rs 5 lakh/family/year).
• Covers major d
• Pre and post-hospitalisation s

Benefits of Chief Minister’s health insurance scheme

The scheme offers multiple benefits for low-income families.

• Reduces out-of-pocket e
• Covers expensive treatments like cardiac surgeries, chemotherapy, and dialysis.
• Covers all age g
• Easy enrollment p
• Emergency medical assistance without worrying about costs.

Diseases and treatments covered under CM’s health insurance scheme

The CMCHIS covers:

• Cardiac procedures.
• Cancer treatment.
• Neurological disorders.
• Renal failure treatments.
• Maternity care.

Eligibility criteria for CMCHIS

To qualify for the CMCHIS, you need to meet the following criteria:

• Residents of Tamil Nadu.
• Families with an annual income of ₹1,20,000 or less.
• Have a ration card with a specific income classification.
• Priority for economically weaker sections.

How to enroll in the Chief Minister’s Comprehensive Health Insurance Scheme?

To apply for CMCHIS online, follow these steps:

• Visit the official CMCHIS portal.
• Check eligibility by entering your ration card details.
• Fill out the application form.
• Submit necessary documents.
• Receive CMCHIS health card upon approval.

Documents required to apply for CM’s health insurance

Submit these documents while applying for the card:

• Ration card
• Aadhaar card
• Address proof
• Income certificate (issued by a local authority)
• Medical certificate (if applicable)

Amma Kapitu Thittam Card download

The steps for CM health insurance card download are simple. Follow these steps for Amma Kapitu Thittam download:

• Visit the official website.
• Enter your Aadhaar number or ration card details.
• Click on “Download CMCHIS Health Card.”
• Save and print your Amma Kapitu Thittam card.

How to download CM health insurance application form?

If you prefer an offline application, follow these steps:

• Visit the CMCHIS website.
• Go to the “Forms” section.
• Click on “Application Form.”
• Download and print the form.

How to search CMCHIS member ID?

To find your CMCHIS member ID:

• Visit the official portal.
• Click on “Search Beneficiary.”
• Enter your ration card or Aadhaar number.
• Click “Search” to retrieve your details.

How to claim CMCHIS?

Claiming benefits under CMCHIS is straightforward.

• Visit an empanelled hospital with your CM health insurance card.
• Show your member ID for verification.
• The hospital submits the claim request to the CMCHIS office.
• Approval and treatment initiation (no upfront payment required).

CMCHIS package list

Some of the procedures covered under the scheme are:

• General surgery
• Cardiology and cardiac surgery
• Neurology and neurosurgery
• Oncology and radiotherapy
• Nephrology and urology

Chief Minister Comprehensive Health Insurance Scheme hospital list

Check the full list of hospitals on the CMCHIS website here- https://www.cmchistn.com/hospitalList.php.

CMCHIS toll-free number and address

For any queries or assistance, contact:

• Helpline number: 1800-425-3993
• Address: Tamil Nadu Health Systems Project, Chennai, Tamil Nadu

FAQs

• Can I apply for CMCHIS online?

Anyone who meets the set criteria can apply for CMCHIS.

• How do I check my CMCHIS application status?

Use your ration card number on the CMCHIS portal.

• Is CMCHIS only for Tamil Nadu residents?

Yes, only Tamil Nadu residents are eligible.

• Does CMCHIS cover pre-existing diseases?

Yes, pre-existing diseases are covered.

Conclusion

The Tamil Nadu government provides free medical services to low-income families through this scheme. It includes coverage for essential procedures, surgical treatments, and long-term medical conditions. However, secure a health insurance policy for long-term planning to ensure a complete financial safety net.

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 Rajiv Aarogyasri Telangana scheme is a crucial health initiative to provide free medical care to low-income families. It ensures financial constraints do not stop people from receiving quality treatment.

This blog will discuss the Aarogyasri Health Care Trust, eligibility, features, and how to apply for the Aarogyasri Card Telangana.

What is Aarogyasri Health Care Trust?

The Aarogyasri Health Care Trust is a government initiative responsible for implementing the Rajiv Aarogyasri scheme in Telangana. The Telangana government oversees it and ensures:

• Proper execution of the health insurance scheme
• Empanelment of hospitals
• Monitoring of treatment and claims
• Awareness campaigns for beneficiaries

This trust plays a crucial role in managing the financial and administrative aspects of the Aarogyasri Card Telangana programme.

What is the Aarogyasri community health insurance scheme?

It is a state-sponsored programme designed for low-income families in Telangana.

Key features:

• Free treatment at government and selected private hospitals up to ₹2 lakh
• Coverage for critical illnesses, including cancer and heart diseases
• Cashless hospitalisation with Aarogyasri Card Telangana
• Special coverage for families below the poverty line

What is the eligibility for the Aarogyasri Telangana scheme?

To avail of the benefits of this scheme, applicants must meet these criteria:

• Must be a permanent resident of Telangana. Aadhaar card or voter ID is required as proof.
• Annual family income should be less than ₹5 lakh. An income certificate issued by local authorities is needed.
• Applicants must hold a white ration card (BPL category).

Who is not eligible?

• Government employees and tax-paying citizens.
• Individuals with existing private health insurance.
• Families with an income exceeding ₹5 lakh per year.

How to log in to Aarogyasri Telangana?

Follow these steps to log into the Aarogyasri Telangana website:

• Visit the official Aarogyasri Telangana website.
• Log in and enter username and password.
• If you don’t have an account, then create one by clicking on the “Sign Up” option.

This website is mainly for registered healthcare providers. If you are a patient, then contact a healthcare provider for assistance.

How to apply for an Aarogyasri card in Telangana?

Follow these steps to apply for an Aarogyasri card in Telangana:

• Visit the Aarogyasri Telangana website.
• Click on the “New Enrollment” tab.
• Fill out the application form. Provide proof of identity and residence.
• Upload scanned copies of required documents.
• Submit the form and wait for verification.

Once your application is approved, you will receive your Aarogyasri card.

What are the features of the Rajiv Aarogyasri health insurance scheme?

The Rajiv Aarogyasri Telangana scheme offers extensive healthcare benefits:

• Cashless hospitalisation.
• Covers critical illnesses.
• Wide hospital network.
• Pre- and post-hospitalisation expenses.

What are the coverages of the Telangana Aarogyasri health insurance scheme?

The scheme provides free coverage for a wide range of medical services, including:

• Surgical procedures
• Medical treatments
• Diagnostics & post-treatment care

Exclusions under Aarogyasri Health Insurance Scheme

While the scheme provides extensive coverage, it excludes:

• Cosmetic and aesthetic surgeries.
• Fertility treatments.
• Dental procedures (unless part of major surgery).
• Treatment for non-life-threatening conditions.

Check the scheme guidelines to understand what is covered before seeking treatment.

Importance of health insurance policy

Having a family health insurance policy is essential, even if you qualify for government schemes like Rajiv Aarogyasri Telangana. The insurance will cover unexpected medical costs and provide financial security.

While the Aarogyasri Card Telangana benefits low-income groups, private health insurance ensures broader coverage for those who can afford it.

FAQs

• How can I check my Aarogyasri Card status in Telangana?

Visit the official Aarogyasri website, enter your application number, and click “Check Status”.

• Can I download my Aarogyasri Card online?

Yes, after approval, you can complete the Aarogyasri Card Download Telangana by visiting the portal.

• Is the Aarogyasri Scheme available for government employees?

No, government employees and tax-paying individuals are not eligible.

• Which hospitals accept Aarogyasri cards?

Aarogyasri is accepted in government hospitals and selected private hospitals. The list is available on the official website.

• Can I get cash benefits under this scheme?

No, the scheme offers cashless treatment but no direct financial aid.

Conclusion

The Aarogyasri Telangana scheme is a vital initiative for providing free healthcare to low-income families. If you qualify for the scheme, visit the official website and Aarogyasri Card apply online TS. Don’t forget to Aarogyasri Card status check Telangana and download the card once approved.

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.

Chia and flax seeds have emerged as popular superfoods, celebrated for their rich nutrient profiles and associated health benefits. Both are excellent sources of dietary fibre, omega-3 fatty acids, protein and essential minerals. Consuming these seeds has been linked to improved digestion, enhanced heart health and better blood regulation. However, despite their similarities, chia and flax seeds possess distinct nutritional attributes.

This article will compare chia seeds vs flax seeds to determine which is healthier and explore their differences to know which seed might be more advantageous for your health.

Nutritional comparison of chia seeds vs. flax seeds

While both seeds are nutrient-dense, the difference between chia and flax is their specific nutrient concentrations. Here is a comparison of chia seeds vs flax seeds:

• Chia seeds: Chia seeds contain antioxidants, omega-3 fatty acids and fibre. They also have a good amount of calcium, magnesium and phosphorus to support bone health.
• Flax seeds: Flax seeds contain fibre and omega-3 fatty acids, specifically alpha-linolenic acid (ALA). Additionally, they contain lignans that are antioxidant and anti-inflammatory.

Difference between chia seeds and flax seeds

Understanding the difference between chia and flax seed can help you decide which to add to your diet. Here are some notable differences between these two seeds:

1. Appearance, texture and taste: Chia seeds are tiny and round and can absorb water to form a gel-like consistency. Flax seeds, on the other hand, are larger, flatter and require grinding for optimal nutrient absorption. Chia seeds have a mild, neutral flavour, whereas flax seeds have a slightly nutty flavour.
2. Shelf life: Chia seeds last longer due to their high antioxidant content, while flax seeds are more prone to oxidation and should be stored in the refrigerator.
3. The calorific value of both seeds is relatively similar.
4. Omega-3 content: Both seeds contain omega-3 fatty acids, but flax seeds have a higher concentration of alpha-linolenic acid.
5. Fibre content: Chia seeds have more soluble fibre, while flax seeds have more insoluble fibre.

Which is better chia seeds or flax seeds?

When comparing chia vs flax seeds, the best choice depends on your goals and dietary requirements. However, incorporating both seeds into your diet can provide well-rounded health benefits. The following health goals can guide you on which seeds to consume:

1. For heart health: Flax seeds may be more beneficial due to their high ALA (alpha-linolenic acid) and lignan content, which help reduce inflammation and improve cholesterol levels.
2. For digestion: Chia seeds contain more soluble fibre, making them excellent for gut health and hydration.
3. To ease bowel movements: Insoluble fibre in flax seeds promotes regular bowel movements.
4. For healthy bones chia seeds provide more calcium, magnesium and phosphorus.
5. Muscle building: Flax seeds contain more protein, making them a better option for those focusing on muscle development.

Importance of health insurance policy

A well-rounded diet, including superfoods like chia and flax seeds, improves health. However, you must also take certain measures to ensure all-round protection during unforeseen events. Health insurance plans support access to excellent healthcare services. Insurance policies also ensure financial support during sudden medical emergencies and provide peace of mind so that you can solely focus on your health. You can choose individual or family health insurance plans depending on your requirements.

FAQs

1. Can I eat both chia seeds and flax seeds together?

Consuming a mix of seeds can provide a broader spectrum of nutrients and health benefits.

2. Do I have to grind flax seeds before consuming them?

Grinding flax seeds helps your body absorb their nutrients more effectively.

3. How much chia or flax seeds should I eat daily?

A recommended serving is 1-2 tablespoons of flax seeds daily.

4. Which seed is better for weight management?

Both are beneficial, but chia seeds’ high soluble fibre content helps with satiety and hydration.

5. Are there any side effects of consuming chia or flax seeds?

Consuming large amounts of either seed without adequate water can cause digestive discomfort. Moderation is key.

Conclusion

The debate between the two seeds comes down to personal health goals and preferences. The difference between chia seeds and flax seeds lies in their fibre, omega-3 content, and health benefits. Maintaining good health goes beyond a healthy diet, exercise and lifestyle. Health insurance policies ensure financial and medical protection, complementing a nutritious lifestyle.

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.

Planning for retirement is very important to ensure financial security in later years. The National Pension Scheme (NPS) is a government-backed scheme to assist individuals in saving for their retirement in a structured and tax-efficient manner. This blog explores the key aspects of the NPS scheme, including its types, benefits, eligibility for NPS, and more.

What is the National Pension Scheme (NPS)?

NPS is a voluntary retirement savings plan available to all Indian citizens. The central government introduced it to provide financial security during retirement.

Types of NPS accounts

NPS has a structured approach with two types of accounts:

• Tier-I account: It is mandatory for all NPS subscribers, primarily for retirement savings. Here, withdrawals are restricted as per exit rules. The minimum initial contribution is ₹500. Additionally, you must deposit ₹1,000 annually to keep the account active.
• Tier-II account: It is an optional account with flexible withdrawals. Although it has no minimum balance requirement, you must maintain an active Tier-I account. You will require a minimum contribution of ₹250 to open.

Objectives of the National Pension System

The NPS was launched with the specific goal of providing a reliable pension system for Indian citizens.

Features of NPS (National Pension Scheme)

Some of the features of NPS are:

• Low-cost structure
• Investments in multiple asset classes
• Flexibility to choose fund managers
• Tax-saving benefits

Benefits of National Pension Scheme

The following are the benefits of National Pension Scheme:

1. It encourages disciplined savings for the future.
2. Tax benefits under Sections 80CCD(1) and 80CCD(1B).
3. Higher growth potential compared to traditional pension plans.

Who should invest in NPS?

NPS is suitable for:

• Salaried employees
• Self-employed professionals
• Individuals in private-sector jobs

National Pension System eligibility

Any Indian citizen/Overseas Citizen of India (OCI)/NRI aged 18-70 can enrol in NPS.

How to open an NPS account?

To open an online National Pension Scheme account, you need to follow the steps:

1. Visit the official e-NPS portal.
2. Click on “Open NPS Account” and select individual/corporate.
3. Provide Aadhaar/PAN details for verification.
4. Choose a fund manager and investment mode.
5. Make the minimum contribution and generate a PRAN (Permanent Retirement Account Number).

How to open an NPS account offline?

To open your NPS account offline, you need to follow these steps:

1. Visit a Point of Presence (POP) such as a bank or financial institution.
2. Fill out the NPS registration form and submit KYC documents.
3. Choose your investment preference and fund manager.
4. Make the first contribution and receive your PRAN card.

How to login to your National Pension Scheme account?

After NPS online registration, you can visit the official NPS website. There, click on “Login” and enter your PRAN and password. Access account details and transactions and make contributions online.

How is NPS calculated?

NPS returns depend on contribution amount, duration, asset allocation and market performance. The pension calculator helps estimate future pension benefits based on these factors.

National Pension Scheme (NPS) interest rate

The NPS scheme is market-linked and does not have a fixed interest rate. Returns vary based on the chosen asset allocation:

• Equity (E)
• Corporate bonds (C)
• Government bonds (G)

NPS and other tax-saving instruments

Here is a comparison of the NPS and other tax-saving instruments:

How to use NPS withdrawal money?

Upon retirement, you can:

• Withdraw up to 60% as a lump sum (tax-free).
• Invest at least 40% in an annuity plan to receive regular pension income.
• Opt for phased withdrawals as per financial needs.

FAQs

1. Can I open an NPS account online?

Yes, through the e-NPS portal with Aadhaar or PAN.

2. How does NPS provide tax benefits?

Investments are eligible for deductions up to ₹2 lakh under various tax sections.

3. What asset classes are available under NPS?

The asset classes available are Equity (E), Corporate Bonds (C), Government Bonds (G), and Alternative Assets (A).

Conclusion

The National Pension Scheme (NPS) is a great option for those seeking to secure retirement with market-linked returns, tax benefits and flexible investment options. Whether you are a salaried employee, self-employed, or an NRI, NPS offers a well-regulated and cost-effective solution to ensure financial stability post-retirement.

In addition to securing retirement savings, individuals should consider investing in health insurance plans to cover medical expenses. Having a suitable health insurance policy ensures financial protection against unexpected healthcare costs. Senior citizen health insurance can be particularly beneficial for individuals above 60+, as it provides coverage tailored to age-related 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.

Healthcare costs can pose a significant financial strain for families dealing with chronic or life-threatening illnesses. To address this, the Assam government introduced the Atal Amrit Abhiyan health insurance scheme on December 25, 2016. The scheme is aimed at helping below-poverty-line (BPL) and above-poverty-line (APL) families through cashless treatment at government and empanelled private hospitals.

What is Atal Amrit Abhiyan?

The Atal Amrit Abhiyan is a state-funded health insurance scheme initiated by the Assam government to provide financial assistance for critical illnesses, ensuring that families from economically weaker sections, receive necessary healthcare. Beneficiaries can Atal Amrit Abhiyan card check online and avail themselves of cashless treatment at government and empanelled hospitals across the state and beyond.

What diseases are covered by Atal Amrit Abhiyan card?

This Atal Amrit Abhiyan card scheme covers 437 diseases, classified into six major categories:

• Cardiovascular diseases: Covers heart-related ailments, including surgeries and treatment.
• Cancer: Includes chemotherapy, radiotherapy and surgical interventions.
• Kidney diseases: Covers dialysis, transplants and other renal treatments.
• Neonatal diseases: Provides treatment for congenital and birth-related disorders.
• Neurological conditions: Covers brain disorders, strokes and neurodegenerative diseases.
• Burns: Includes hospitalisation and reconstructive surgeries for burn victims.

Eligibility criteria for Atal Amrit Abhiyan

To qualify for the Atal Amrit Abhiyan scheme, applicants must meet the following criteria:

• BPL families with an annual income of up to Rs 1.2 lakh receive free coverage.
• APL families with an income between Rs 1.2 lakh and Rs 5 lakh must pay a nominal premium of Rs 100 per member annually.
• Employees of central and state government services (both active and retired) are not eligible.
• Proof of income is required for classification under BPL or APL categories.

Documents required for Atal Amrit Abhiyan

To register under this scheme and get Atal Amrit card benefits, applicants need to submit:

• Voter ID Card: For identity verification.
• EPIC Card or Birth Certificate: Required for minors.
• Income Certificate: Proof of financial status.
• NFSA Card: If available, it can be used for verification.
• Photograph: A recent passport-size photo attested by a doctor.

Fees for Atal Amrit Abhiyan Card

The scheme is free for Atal Amrit Abhiyan society BPL families. APL families need to pay Rs 100 per year per member to avail of coverage. Moreover, there are no additional charges for treatment once enroled.

How to register for Atal Amrit Abhiyan?

For Atal Amrit Abhiyan online apply follow these steps:

• Visit an enrolment centre: Registration is available at government-designated centres for the Atal Amrit card.
• Submit documents: Provide ID proof, income certificate, and a photograph.
• Verification process: Officials will verify Atal Amrit card eligibility based on income and residency.
• Receive Atal Amrit Abhiyan Card: Once approved, a unique health card will be issued.

Importance of health insurance

Health insurance is important for financial security and access to medical care. It helps people and their families manage healthcare costs and ensures timely treatment. Unexpected medical emergencies can put a heavy financial burden on individuals and families. A solid policy, especially health insurance for family, ensures wider coverage and better financial security that helps pay for hospital stays, doctor visits, surgeries and medicines.

FAQs

1. Can beneficiaries avail treatment outside Assam?

Yes, treatment is available at empanelled hospitals outside the state.

2. Is the scheme applicable for private hospitals?

Yes, but only at CGHS-approved and government-aided private hospitals.

3. What happens if the insurance amount exceeds ₹2 lakh?

Any additional expenses beyond the coverage limit must be borne by the patient.

4. Is the premium refundable if no treatment is availed?

No, the ₹100 premium for APL families is non-refundable.

5. Can new diseases be added to the coverage?

Yes, the state government may expand the list based on medical requirements.

Conclusion

The Atal Amrit Abhiyan is a crucial health insurance initiative that supports families in need of medical assistance. By offering cashless treatment and covering critical illnesses, the scheme reduces the financial burden of healthcare. If you are eligible, registering for this scheme is a wise decision to secure quality treatment for your family. In addition to the Atal Amrit Abhiyan, opting for comprehensive health insurance is a smart move towards broader coverage for unforeseen medical expenses, offering protection against a wide range of health conditions and ensuring financial stability for you and your family in the face of 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.

The Goods and Services Tax or GST on health insurance has been a major point of discussion, particularly in GST Council meetings. Earlier, GST on health insurance premiums were subject to a 15% service tax. Discussions are ongoing to reduce GST on health insurance to 5%, which could make health coverage more affordable. This article explores the GST structure on health insurance and what is the GST on health insurance premiums.

What is the GST on health insurance?

GST is levied on the health insurance premiums at the time of purchase or renewal. The standard GST for health insurance premium rate applicable is 18% under HSN code 997133. However, government-run schemes for economically weaker sections are exempt from GST, like the Niramaya Health Insurance Scheme and Universal Health Insurance Scheme.

GST rate on health insurance with HSN codes

Health insurance falls under the GST framework, with different tax rates based on the policy nature.

• Accident and health insurance services – 18% (HSN Code: 997133)
• Universal Health Insurance Scheme – Nil GST (HSN Code: 9971 or 9991)
• Niramaya Health Insurance Scheme – Nil GST (HSN Code: 9971 or 9991)

Types of GST on health insurance plans

Different types of GST apply based on the nature of the transaction.

• CGST (Central GST) – the central government collects 9% for intrastate health insurance sales.
• SGST/UTGST (State/Union Territory GST) – 9% is collected by state or UT governments for intrastate sales.
• IGST (Integrated GST) – 18% is charged for interstate health insurance sales, where the insurer is in one state and the policyholder is in another.

Impact of GST on health insurance policy

The GST rate on health insurance has affected health insurance in several ways:

• Higher premiums: The GST increase from 15% to 18% has made health insurance policies more expensive.
• Lower affordability: Individuals, particularly in lower-income groups, struggle to afford policies due to higher costs.

Impact of GST on health insurance policy renewal

The renewal of older policies is also affected by GST:

• Older policies (pre-GST era): Only renewals attract the 18% GST.
• Higher renewal costs: Policyholders renewing older policies must bear the increased tax burden.
• No service tax adjustments: Insurance holders cannot adjust previously paid service tax against the new GST rate.

Positive impact of GST on health insurance policies

The GST has brought some benefits.

• GST has eliminated the previous “tax on tax” issue.
• Insurance companies can claim tax credits on their expenses, improving operational efficiency.

How to calculate GST in health insurance?

The GST on health insurance is calculated based on the premium.

• GST is applied to the base premium amount: A policy with a Rs 25,000 premium attracts an 18% GST, adding ₹4,500 to the total cost.
• No GST on No-Claim Bonus (NCB): If a policyholder has an NCB, GST is only applied to the reduced premium.

Tax savings under Section 80C and 80D

Health insurance also provides tax benefits.

• Section 80D deduction: Policyholders can claim tax deductions up to Rs 25,000 (₹50,000 for senior citizens) on premiums.
• Family coverage benefits: Taxpayers can also claim deductions for premiums paid for spouses, children, and dependent parents.
• Section 80C benefits: Some policies with life cover components may qualify for additional deductions.

Can I claim GST on health insurance?

Under certain conditions, businesses may claim GST paid on health insurance as an Input Tax Credit (ITC).

• Businesses can claim GST paid on employee health insurance if it is a mandatory benefit.
• Individual policyholders cannot claim GST refunds on personal health insurance.
• Employers providing group health insurance can get ITC.

Why do you need a health insurance plan?

Health insurance is essential because:

• Unexpected hospitalisations can lead to financial strain.
• Healthcare costs are rising, making insurance necessary.
• Policies provide tax deductions, reducing the financial burden.

FAQs

1. Is GST applicable on all health insurance policies?

Yes, except for government-backed schemes for economically weaker sections.

2. Will the GST on health insurance be reduced in the future?

There is speculation about reducing the GST rate, but no official confirmation yet.

3. Can I claim the GST paid on my health insurance as a tax refund?

No, individual policyholders cannot claim GST as a refund.

Conclusion

GST health insurance has significantly impacted policy costs, increasing premiums from the earlier service tax regime. The current 18% GST rate makes policies expensive, affecting affordability. While GST adds to the price, health insurance policy remains an essential financial tool. Whether you choose an individual health insurance policy or a family plan, investing in the right insurance ensures long-term security and financial stability.

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.

Thyroid issues can affect energy levels, weight, and overall health. The thyroid gland produces hormones that are responsible for metabolism. When it does not perform efficiently, it can cause hypothyroidism (underactive thyroid) or hyperthyroidism (overactive thyroid).

Regular exercise can help manage thyroid symptoms, improve mood and boost metabolism. However, it is important to choose the best exercise for thyroid patients.

List of exercises for thyroid

Here are some of the best thyroid exercises:

1. Walking

• A simple and effective exercise that helps boost metabolism.
• Improves heart health and reduces stress.
• Suitable for people with low energy levels.
• Typically the most preferred thyroid workout.

2. Yoga

• Helps reduce stress.
• Poses like the shoulder stand, fish pose and bridge pose support thyroid health.
• Improves flexibility and overall well-being.

3. Strength training

• Builds muscle and increases metabolism.
• Helps with weight management, especially for hypothyroidism patients.
• Start with light weights and increase gradually.

4. Swimming

• A full-body exercise that does not put pressure on the joints.
• Improves circulation and energy levels.
• Helps in maintaining a healthy weight.

5. Pilates

• Strengthens core muscles and improves posture.
• Enhances flexibility and reduces fatigue.

6. Cycling

• A great cardio exercise that helps burn calories.
• Increases stamina and improves heart health.
• Can be done outdoors or on a stationary bike.

7. Breathing exercises (Pranayama)

• Helps reduce stress and improve oxygen flow.
• Processes like deep breathing or alternate nostril breathing benefit health.

8. Low-impact aerobics

• Increases heart rate without straining the joints.
• Helps in weight management and improves energy levels.
• Ideal for people with hypothyroidism who have joint pain.

Conclusion

Exercise is important for thyroid health, but it is essential to choose the right type based on energy levels and symptoms. A combination of walking, yoga, strength training and breathing exercises can help you maintain a healthy weight, reduce stress and improve overall well-being. Consult a doctor before beginning a new exercise routine to ensure it is safe for you.

Managing thyroid issues can sometimes lead to medical expenses for regular check-ups and treatments. A health insurance policy can provide financial support for medical tests, consultations and ensure access to the best healthcare options for you and your family.

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.

Section 80CCD of the Income Tax Act, 1961, is a government introduced section to encourage people to save for their retirement. By contributing to these schemes, taxpayers can reduce their taxable income and secure their future.

This blog explains everything you need to know about Section 80CCD of Income Tax Act, the eligible pension schemes and how they work under the old and new tax regimes.

What is Section 80CCD?

Section 80CCD in Income Tax provides tax benefits to individuals who invest in government-approved pension schemes. Here are the key points:

• Applies to the old tax regime for salaried and self-employed individuals.
• The National Pension System (NPS) and the Atal Pension Yojana (APY) are eligible pension schemes.

Categorisation of Section 80CCD in income tax

The 80CCD Income Tax Act of 1961 has three subsections based on the contributor:

Deductions under 80CCD(1) and 80CCD(2)

Section 80CCD 1 deduction:

• Salaried individuals: 10% of salary (basic + DA) for and
• Self-employed individuals: 20% of the gross total income
• Deduction limit: ₹1.5 lakh per year.

Section 80CCD 2 deduction:

• Private-sector employees: claim up to 10% of their salary (basic + DA).
• Government employees: claim up to 14% of their salary (basic + DA).
• Deduction limit: None

Availability of 80CCD deductions under the new tax regime

Taxpayers must choose carefully between the old and new tax (Section 115BAC) regimes. The new tax regime introduced in 2020-21 offers lower tax rates, fewer deductions and exemptions. The new regime does not allow the Section 80CCD deduction. If you contribute to NPS, the old regime may be more beneficial, allowing deductions under Section 80CCD.

National Pension System u/s 80CCD

The National Pension System (NPS) is a government-backed retirement savings plan that helps individuals build a pension corpus. Key points:

• Available to all Indian citizens, including NRIs (Non-Resident Indians).
• Provides tax benefits under old tax regime Sections 80CCD(1), 80CCD(1B) and 80CCD(2).

Atal Pension Yojana (APY) u/s 80CCD

Atal Pension Yojana (APY) is a pension scheme designed for Indian workers in the unorganised sector. As of October 2022, APY is available only for non-taxpaying citizens of India. Its features include:

• For non-taxpaying individuals aged 18-40 years who are Indian citizens.
• Under the old tax regime, prior investor contributions are eligible for tax deductions under Section 80CCD with additional deductions of up to Rs. 50,000 under Section 80CCD(1B).

Tax benefits under Section 80CCD

The following applies to the old tax regime:

• Section 80CCD(1): Deduction up to ₹1.5 lakh.
• Section 80CCD(1B): Additional deduction of ₹50,000 for NPS contributions.
• Section 80CCD(2): Employer contributions to NPS are tax-free.

Terms and conditions for deductions under Section 80CCD

The section 80 CCD deduction limit is:

• The ₹1.5 lakh limit under the Section 80CCE includes deductions under 80C, 80CCC and 80CCD(1).
• The additional ₹50,000 80 CCD (1B) deduction is separate from this limit.
• Employer contributions under 80 CCD (2) are not subject to the ₹1.5 lakh limit.

Eligibility for claiming deductions under Section 80CCD

Here's a breakdown of who is eligible to avail of these deductions:

Things to keep in mind about 80CCD deduction

Here are a few things to keep in mind:

• NPS offers higher tax benefits than other retirement plans due to an additional ₹50,000 deduction under 80CCD(1B).
• Employer contributions are fully deductible under 80CCD(2).
• Deductions are not available under the new tax regime.

FAQs

1. Can NRIs claim deductions under Section 80CCD?

NRIs can claim deductions under Section 80CCD if they contribute to NPS.

2. Can I claim both Section 80C and Section 80CCD deductions?

The total deduction under 80C, 80CC and 80CCD 1 is ₹1.5 lakh. However, the ₹50,000 under 80 CCD 1B deduction is additional.

3. Are employer contributions to NPS taxable?

No, employer contributions are tax-free up to the specified limits under Section 80 CCD 2.

Conclusion

By understanding Section 80CCD, taxpayers can maximise their savings and secure their future by investing in government-approved pension schemes.

While considering tax-saving options, individuals should also invest in a solid health insurance policy. Health insurance for family members and senior citizens ensures financial protection against medical emergencies and provides access to better treatment options.

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.

Amla water, made by infusing amla in water, is a natural remedy packed with vitamin C, antioxidants, and essential minerals. Drinking it on an empty stomach may improve digestion, strengthen immunity, and enhance skin health.

Read on to discover some benefits of amla water that make it a must-have in any wellness routine.

List of health benefits of amla water

Starting your day with a glass of amla water can:

1. Boost immunity:

   Vitamin C in amla can strengthen the immune system and help the body fight infections more effectively. Vitamin C also helps the body fight oxidative damage and enhance cell function.

2. Regulate blood sugar levels:

   The soluble fibre in amla can slow down sugar absorption in the body, reducing glucose spikes and regulating blood glucose metabolism.

3. Promotes healthy skin:

   Amla water benefits skin health as the antioxidants in amla can enhance collagen production. Collagen is essential for improving skin elasticity and reducing signs of ageing. Moreover, regular intake of this fruit can improve skin health and minimise pigmentation.

4. Improves digestion:

   Drinking amla infused water benefits your digestive system. Overnight-soaked amla releases enzymes into water that aid in breaking down the food. These digestive juices also help in relieving constipation and bloating. Its mild laxative properties support regular bowel movements.

Conclusion

Incorporating a simple habit like drinking amla water daily can significantly enhance your well-being. It supports gut health, strengthens immunity, and promotes healthy skin. While the numerous benefits of amla water contribute to overall health, they work best when combined with regular exercise and a balanced diet.

Additionally, routine checkups and preventive care play crucial roles in long-term wellness. The right health insurance plan can cover consultation and treatment costs, ensuring financial security. For comprehensive protection, opting for a family health insurance plan is a wise choice, safeguarding the well-being of your loved ones.

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.

Taxation law in India benefits individuals with disabilities by decreasing their financial burden. One such provision is Section 80U of Income Tax Act, 1961, which provides tax deductions to all individuals with disabilities. A good understanding of Section 80U concerning eligibility criteria, limits for deduction and supporting documentation would be useful in seeking tax relief.

What is section 80U?

Section 80U provides for a flat deduction available to certain individuals for what is termed 'certified disability.' Unlike other tax deductions, where the quantum of the deduction depends on the expenses incurred, this one is allowed without any regard to the actual medical expenses borne by the taxpayer. This 80u deduction may be availed of only by resident individuals certified as disabled by a recognised medical authority.

Definition of a person with disability (PwD)

Under Section 80U, a person with disability (PwD) is defined as an individual suffering from at least 40% disability as per the guidelines laid down in the Rights of Persons with Disabilities Act, 2016.

Definition of severe disability

A severely disabled individual has a disability of 80% or more. These individuals qualify for a higher tax deduction under Section 80U.

Which disabilities are covered under Section 80U of the income tax act?

The Income Tax Act recognises the following disabilities for claiming deduction under 80U:

• Blindness
• Low vision
• Hearing impairment
• Leprosy-cured individuals
• Locomotor disability
• Mental retardation (Intellectual disability)
• Mental illness
• Autism
• Cerebral palsy
• Dwarfism
• Multiple disabilities

Deduction limit under Section 80U of the income tax act

The deduction under Section 80U is fixed and does not depend on actual expenses incurred. The 80U deduction amount is:

• ₹75,000 for individuals with at least 40% disability.
• ₹1,25,000 for individuals with 80% or more disability (severe disability).

How to claim a deduction under Section 80U?

To claim an income tax rebate for physically handicapped 80U:

• Get a valid disability certificate from a prescribed medical authority.
• Ensure the certificate is valid for the applicable financial year.
• Mention the details in the Income Tax Return (ITR) form while filing taxes.
• Retain the certificate and related documents in case of verification by tax authorities.

Documents required to claim deductions under Section 80U

To avail of deductions under 80U of income tax act, the following documents are required:

• Valid disability certificate issued by a prescribed medical authority.
• Medical reports and assessments confirm the percentage of disability.
• Self-declaration stating that the taxpayer has not claimed reimbursement for medical expenses elsewhere.
• Form 10-IA (in cases of severe disability).

What are the categories of disabilities under Section 80U of the income tax act?

Section 80U categorises disabilities into two main types:

• Persons with disabilities (PwD): Those having at least 40% disability.
• Severely disabled persons: Those with 80% or more disability.

Which medical authority can issue certificates under section 80U?

To claim a deduction under Section 80U, a disability certificate can be issued by any of the following specialists:

• A neurologist with a degree of MD in Neurology (for neurological disabilities).
• A civil surgeon in a government hospital.
• A chief medical officer (CMO) of a government hospital.

FAQs            

1. Who is eligible for deductions under Section 80U?

The deduction may be claimed only by any resident individual who has furnished a certificate of disability obtained from a prescribed medical authority.

2. Does Section 80U allow deductions that family members of the disabled individual can claim?

No. Section 80U applies only to disabled taxpayers. However, family members who take care of a disabled dependent can claim a tax deduction via Section 80DD.

Conclusion

Section 80U provides tax relief for individuals with disabilities. It gives the taxpayer a fixed deduction, irrespective of medical insurance coverage, making it an important form of financial assistance. A valid disability certificate is of primary importance to claim this 80U tax benefit. Awareness and timely filing will help taxpayers maximise their deductions while reducing tax burden.

In addition to tax deductions, good health insurance for parents, individuals and families ensures access to the best healthcare facilities for disability management and care. Moreover, medical insurance reduces the financial burden in accidents and unexpected 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.

Lemongrass is a grass-like plant with a lemon fragrance, often used as a cooking ingredient and in herbal medicine. It is a natural remedy that can support digestive health, help reduce blood pressure and enhance heart health.

One of the most effective ways to enjoy its benefits is by drinking lemongrass water. Read on to discover some of the various health benefits of lemongrass water.

List of health benefits of lemongrass water

The benefits of drinking lemon grass water are:

1.      Regulates cholesterol

Lemongrass water extracts contain phenolic compounds that can prevent cholesterol absorption in the gut, significantly decreasing total body cholesterol. This may also reduce the risk of heart attacks or other cardiovascular conditions.

2.      Boosts kidney function

Lemongrass is considered to have a diuretic effect. Drinking lemongrass water can help eliminate excess fluid and sodium from the body. Studies show that the diuretic effect can improve kidney function and overall health.

3.      Reduces blood pressure

Researchers believe that lemongrass has anti-hypertensive properties. It may help lower blood pressure by promoting blood vessel expansion, improving circulation and reducing blood pressure.

4.      Relieves Pain

The lemongrass plant contains anti-inflammatory properties that can help ease pain and swelling in the body, muscles and joints. Therefore, consuming lemongrass water can help relieve muscle aches, headaches, joint pains, menstrual cramps and arthritis-related pain.

5.      Promotes healthy digestion

Lemongrass water can stimulate the production of digestive enzymes, which can help relieve you from indigestion, bloating and other digestive issues. Its natural diuretic properties can help soothe the stomach lining and reduce abdominal gas and bloating.

Conclusion

Lemongrass water contains several potential health benefits like aiding digestion, reducing blood pressure and regulating cholesterol. For overall well-being, the consumption of natural remedies like lemongrass water must be supplemented with a nutritious diet, exercise and medical checkups. Preventive care and timely intervention are key to long-term health management.

An appropriate medical insurance policy can cover these costs and provide financial protection during unforeseen medical events. Additionally, a family health insurance plan can provide coverage for your family, ensuring peace of mind.

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

Simple remedies like Ayurvedic treatments can help ease minor illnesses such as colds and coughs. These home remedies are easy to use, economical, and effective as they are prepared using readily available herbs and ingredients like spices, honey, pepper, and ginger. However, if further medical evaluation is needed, visiting a healthcare practitioner is recommended.

Ayurvedic remedies for cold and cough

The following are some common remedies for cold and cough:

Ayurvedic remedies for cold and cough can help lower body inflammation, clear congestion, soothe discomfort, strengthen the respiratory system, and enhance the body's natural healing process.

1.      Tulsi

Also known as "The Queen of Herbs" or "Mother Medicine of Nature" in Ayurveda, tulsi leaves help the body combat common colds and coughs. These leaves possess cough-relieving properties that soothe the airways and aid in expelling sticky mucus.

2.      Honey

Honey possesses rich antimicrobial properties, making it an effective cough suppressant and remedy for a sore throat. It also helps ease chest congestion by loosening thick mucus, making it easier to expel.

3.      Mulethi

Mulethi, also known as Licorice or Sweet Wood, is a widely recommended Ayurvedic herb for cough relief. It is believed to have expectorant properties that help clear mucus from the airways..

4.      Sonth

Also known as sukku, sonth (dry ginger) is a typical ingredient in herbal cough syrups. It possesses anti-inflammatory properties and works even more effectively when combined with honey to relieve cough, cold, and sore throat.

Conclusion

At the first sign of a cold, cough, or sore throat, take action immediately. Alongside medications and syrups, natural home remedies like Ayurvedic cold cough treatment can aid recovery with their powerful herbal benefits. However, if symptoms persist, consulting a doctor is essential. Having comprehensive medical insurance protects you from unexpected medical expenses while also providing access to preventive care, including screenings, vaccines, and check-ups. You can browse individual health insurance plans to select one that meets your unique healthcare 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.

Infants often suffer from colds, making it necessary to understand safe and effective home remedies. Such methods provide gentle relief while supporting the natural healing process. With the delicate nature of an infant’s health, parents can use several remedies to soothe their little ones through natural methods. Traditional techniques like Indian home remedies for cold in infants emphasise using simple, time-tested ingredients to ease symptoms, ensuring the baby remains comfortable while their body recovers.

Read on to discover the home remedies for cold in infants.

Home remedies for cold in infants

Below are some effective methods to alleviate cold symptoms in your infant:

1.       Saline nasal drops

Among common cold home remedies for infants is the use of saline nasal drops. This remedy involves gently administering a few saline drops into your infant’s nostrils using a soft bulb syringe. The saline helps loosen mucus and clear blocked nasal passages, easing breathing and reducing congestion. Such a method has been trusted as an effective way to provide comfort during a cold.

2.      Cool-mist humidifier

Creating a soothing environment is crucial for your baby’s recovery. Placing a cool-mist humidifier in your child’s room can add moisture to the air, which helps ease nasal irritation and calm a persistent cough. The gentle, moisture-rich environment helps reduce congestion and supports a more restful sleep, which is essential for recovery.

3.      Hydration

Another key aspect of managing a cold is ensuring your baby remains well-hydrated. Frequent feeding through breast milk or formula is vital as proper hydration aids the immune system and helps flush out toxins. While it may seem basic, this remedy is critical in supporting the overall recovery process of your infant.

4.       Traditional chest massage

A gentle chest massage using a small amount of warm mustard or coconut oil can be particularly beneficial. When massaged softly onto the infant’s chest, the warm oil improves blood circulation and provides a soothing, comforting sensation. Always perform a patch test first to ensure the baby has no allergic reaction.

5.      Lukewarm bath

A lukewarm bath is a practical and soothing technique that helps manage a mild fever by encouraging gradual cooling and providing comfort. Its gentle nature makes it particularly suitable for infants, helping to calm them and improve sleep quality, which is essential for a speedy recovery. Ensure the water is lukewarm, ideally around 30°C to 34°C (86°F to 93°F). Test the water with your elbow or wrist to ensure it feels comfortable.

Conclusion

Caring for an infant with a cold involves using gentle, natural methods that soothe and support their recovery. The remedies outlined above provide comforting relief while allowing the baby’s immune system to function effectively. However, while these tips offer supportive care, they are not a substitute for professional medical advice. Also, maintaining medical insurance or individual health insurance ensures you are financially prepared for any eventuality.

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.

Infancy is a precious period filled with rapid growth and discovery, but it can also be a time when little ones face common illnesses such as colds. As a parent, you must understand cold symptoms for infants to ensure timely care and comfort during these vulnerable times. While a cold might seem minor, its impact on infants can be more pronounced due to their developing immune systems.

This article discusses the signs and symptoms of cold in infants.

Signs and symptoms of Cold in infants

Here are the signs and symptoms you should watch out for:

1. Runny or stuffy nose

   A runny nose is often the first sign of a cold in infants. It typically starts with a clear, watery discharge that may thicken and turn yellow or green after a few days. This colour change is normal and part of the body’s immune response. A stuffy nose can make breathing hard for babies, especially during feedings. To ease this, parents can use saline drops or a nasal aspirator to clear the nasal passages.

2. Persistent cough

   A cough usually develops as the cold progresses. It may start as a dry cough but can become wet as mucus builds up in the airways. While a mild cough helps clear the baby’s throat and chest, a worsening or barking cough could signal something more serious. Paying attention to the sound and frequency of the cough can help determine whether a doctor’s visit is necessary.

3. Fever

   A low-grade fever (around 100.4°F or 38°C) is a common immune response as the body fights the cold virus. While mild fevers are usually nothing to worry about, a high fever requires immediate medical attention. Parents should monitor their baby’s temperature regularly and keep track of any fluctuations. Keep the baby hydrated and dress them lightly to manage a mild fever.

4. Congestion and breathing difficulties

   Nasal congestion can cause noticeable breathing difficulties in infants, making them fussy and interrupting their sleep. This congestion can also affect their appetite as they struggle to breathe through their mouths while feeding. Using a cool-mist humidifier, elevating their head slightly during sleep (using a crib wedge, not pillows), and giving warm baths can provide relief. However, seek urgent medical care if you notice flaring nostrils, grunting, or chest retractions.

5. Irritability and fatigue

   Colds can leave infants feeling uncomfortable and tired. They may cry more than usual, struggle to fall asleep, or become clingier as they seek comfort. Fatigue often stems from disrupted sleep due to coughing, nasal congestion, or fever. To soothe a fussy baby, offer extra cuddles, keep feeding routines consistent, and create a calm sleep environment. Additionally, make sure you track their sleep patterns to ensure they get enough rest to support faster recovery.

Conclusion

A cold in infants, though often minor, calls for vigilant observation and nurturing care. Recognising cold symptoms in infants early allows prompt reaction and provision of necessary relief.

Additionally, medical insurance or individual health insurance adds to financial security. It helps you focus on your child’s recovery without worrying about medical costs. Staying informed about the signs and symptoms of cold in infants and knowing when to seek professional help allows you to support your baby’s health.

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.

Coughing in infants can be distressing for the child as well as the parents. It is a common symptom that may arise from underlying conditions like mild irritations or more serious health concerns. For effective management and timely medical intervention, it is crucial to understand the causes of cough in infants. Early detection not only ensures appropriate treatment but also prevents potential complications. As a parent or caregiver, being aware of these causes empowers you to take the necessary steps to safeguard your baby's health.

This article focuses on the factors that cause coughing in infants.

Causes of cough in infants

A cough is a natural reflex that helps clear the airways of mucus, germs, and irritants. Let’s explore some common causes of cough in infants:

1.       Viral infections

The most common reason for cough in infants is a viral infection, such as the common cold or flu. These illnesses cause inflammation in the upper respiratory tract, leading to coughing, runny nose, and mild fever. While most viral infections resolve on their own, it is essential to ensure the infant stays hydrated and comfortable. If the symptoms worsen,  a doctor's visit may be necessary.

2.       Bronchiolitis

This is a viral infection that affects the small airways (bronchioles) in the lungs. It often occurs in babies under two years old, causing wheezing, coughing, and difficulty breathing. Bronchiolitis is caused by the respiratory syncytial virus (RSV). Severe cases may require hospitalisation, so parents should monitor their baby’s breathing and seek medical advice if there are signs of laboured breathing or dehydration.

3.       Allergies

Allergens like dust, pollen, or pet dander can trigger a cough in some infants. While less common in young babies, allergic reactions may cause persistent coughing, sneezing, and itchy eyes. Identifying and removing the allergen from the baby's environment is key. You should also consult a paediatrician who can help determine if allergy medications are needed.

4.       Asthma

Though rare in infants, asthma can cause a chronic cough, especially at night or during physical activity. It is often accompanied by wheezing and shortness of breath. Early diagnosis is vital in managing asthma, as untreated cases can lead to complications. Parents should keep track of any patterns in coughing episodes and discuss them with a doctor.

5.       Gastroesophageal reflux disease (GERD)

GERD occurs when stomach acid flows back into the oesophagus, irritating the throat and triggering a cough. Infants with GERD may also experience spitting up, irritability, and poor weight gain. Adjusting feeding practices, such as keeping the baby upright after meals and seeking medical guidance, can help manage the condition.

Conclusion

Recognising the causes of cough in infants helps you take appropriate action, whether soothing a mild viral cough or seeking urgent medical care. You should never ignore persistent or severe coughing as it might indicate a serious condition. Always consult a paediatrician to ensure your baby gets proper treatment at the right time.

As you take precautions, remember that individual health insurance or medical insurance provides financial security by covering unplanned medical expenses. Invest in a comprehensive health plan to ensure your child receives timely and quality care.

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

Section 80DD of Income Tax Act, 1961 provides tax deductions to individuals and Hindu Undivided Families (HUFs) with disabled dependants. It aims to lessen the expenses incurred on the treatment, training and rehabilitation of the disabled dependant.

Read along to learn the eligibility criteria, limits of deductions, and necessary documentation required if you want to avail this benefit.

What is Section 80DD of the Income Tax Act?

Section 80DD allows a deduction to individuals or HUFs caring for a disabled dependant.  Unlike Section 80U, which relates to a disabled taxpayer, Section 80DD benefits the caregivers by spending money to support the disabled dependant.

List of disabilities included under the Section 80DD

The disabilities included are:

• Blindness
• Low vision
• Hearing impairment
• Leprosy-cured individuals
• Locomotor disability
• Mental retardation
• Mental illness
• Autism
• Cerebral palsy
• Multiple disabilities

Conditions to avail of section 80DD deduction

The 80DD deduction can be claimed under certain conditions:

• The disabled dependant must be a spouse, child, parent or sibling of the taxpayer.
• The dependant must have at least 40% disability, certified by a recognised medical authority.
• The taxpayer must have incurred 80DD medical treatment expenses or expenses on training and rehabilitation.

Who can claim a deduction under section 80DD?

The 80DD deduction amount can be claimed by:

• Resident individuals who financially support a disabled dependant.
• Hindu Undivided Families (HUFs) where the dependant is a family member.

Note: Non-resident Indians (NRIs) are not eligible to claim this deduction.

Maximum amount of deduction under Section 80DD

The deduction under Section 80DD is fixed and not dependant on actual expenses incurred. The deductions are:

• Rs 75,000 per year for dependants with 40% to 79% disability.
• Rs 1.25 lakh a year for dependants with 80% or more disability (severe disability).

Benefits of claiming 80DD

Some of the benefits for claiming deductions under 80DD of Income Tax Act are:

• It encourages families to take care of their disabled dependants by offering tax relief.
• It is available irrespective of actual medical expenses incurred.

Documents required for claiming tax deduction under Section 80DD

The following documents are required to claim this benefit:

• Disability certificate issued by a recognised medical authority.
• Form 10-IA, if the dependant has a severe disability (80% or more).
• Self-declaration stating that the taxpayer has incurred expenses for the disabled dependant’s treatment and maintenance.
• Medical treatment receipts (not mandatory but recommended for records).

How do you claim deduction under Section 80DD?

The process involves the following steps:

• Obtain a valid disability certificate from a prescribed medical authority.
• Fill out Form 10-IA (if claiming a deduction for severe disability).
• Declare the deduction under the “Deductions” section while filing an Income Tax Return (ITR).
• Keep supporting documents ready for verification by tax authorities if required.

Who is responsible for issuing the medical certificate for a dependant with a disability?

The disability certificate must be issued by:

• A neurologist with an MD in Neurology (for neurological disabilities).
• A civil surgeon or chief medical officer (CMO) of a government hospital.
• Any designated medical authority notified by the government.

What does “dependants” & “disability” mean under Section 80DD?

• Dependants: For Section 80DD, dependants include spouse, children, parents, and siblings who rely financially on the taxpayer.
• Disability: As per the law, a person with at least 40% disability (as certified by a recognised medical authority) is considered disabled.

You can claim 80DD medical treatment insurance of handicapped dependant if the individual meets the above-mentioned criteria.

FAQs

1. Can the same person claim both Section 80DD and Section 80U?

No, one can never claim Section 80DD and Section 80U together.

2. Is there any restriction on age in claiming for deduction under Section 80DD?

The 80DD tax benefit has no age limit.

Conclusion

Section 80DD, apart from offering a fixed tax relief to individuals and Hindu Undivided Families (HUFs) who have a disabled dependant, also helps reduce premiums of specific health insurance policy and critical illness insurance policy concerning such treatments. Section 80DD for senior citizens provides similar benefits. Taxpayers should check the eligibility criteria, prepare the required documents, and adhere to the procedures for filing income tax returns to avail of this benefit.

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.

Vaccines have been a huge success in protecting people from dangerous diseases. They have saved millions of lives and helped to control outbreaks. However, there exist many myths about their use.

In this blog, we will examine some common myths about vaccines and explain the facts about their composition.

Myths about vaccines debunked

Many misconceptions about vaccines can make people hesitant to get them.

1. Myth: Vaccines cause autism

This is one of the most common myths about vaccines. It started because of a study in 1998 that claimed there was a link between the MMR (measles, mumps, and rubella) vaccine and autism. Since then, many scientific studies have proved no link between vaccines and autism.

2. Myth: Vaccines contain harmful ingredients

Some people worry that vaccines have dangerous chemicals. While vaccines contain small amounts of preservatives and stabilisers, these ingredients are safe in the amounts used. For example, formaldehyde is naturally found in the human body at higher levels than in vaccines.

3. Myth: Natural immunity is better than vaccine immunity

Getting infected with a disease can sometimes provide lifelong immunity, but it also comes with serious risks. For example, catching measles can lead to pneumonia, brain swelling, or even death. Vaccines protect without the dangerous side effects of the disease itself.

4. Myth: Vaccines are not necessary if others are vaccinated

This is known as "herd immunity," where enough people in a community are vaccinated to stop the spread of disease. While herd immunity helps protect those who cannot be vaccinated (such as newborns or people with certain health conditions), it only works if most people get vaccinated. If too many people refuse vaccines, diseases can spread again.

Conclusion

Vaccines are among the best ways to protect yourself and others from serious diseases. Although the myths surrounding vaccines can cause unnecessary fear, the truth is that vaccines are safe, effective, and essential for public health. If you have concerns, it's best to speak to a doctor or healthcare professional rather than rely on misinformation. Getting vaccinated not only protects you but also helps keep your community safe.

Along with vaccinations, having health insurance is another important step in staying protected. Health insurance for family can cover essential medical expenses, including routine check-ups and necessary vaccinations, making healthcare more accessible and affordable.

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.