Hearing is one of our most important senses. It connects us to our loved ones, helps us enjoy music, nature and conversations, and keeps us safe by alerting us to dangers like car horns or alarms. Sadly, many people don’t think about their hearing health until it is too late. Once hearing is damaged, it usually cannot be fully restored. That’s why protecting your hearing should be a lifelong priority.

In this guide, you’ll learn why hearing health matters, how to spot early warning signs and the steps you can take to preserve your hearing for years to come.

Why hearing health deserves attention?

We often take our hearing for granted, but hearing loss has a big impact on daily life. It makes simple things harder, like talking to friends or watching TV. It can also cause feelings of loneliness, anxiety or even depression because people with hearing loss sometimes avoid social activities.

Hearing loss is very common, especially as people get older, but it can affect anyone. Loud noises, injuries, infections or certain medicines can all damage hearing. In some cases, hearing problems are also caused by ageing, which is called presbycusis.

Know the warning signs of hearing damage

Here are some common warning signs:

• Struggling to follow conversations, especially in noisy places
• Frequently asking people to repeat themselves
• Thinking that others are mumbling
• Turning up the TV or radio louder than others prefer
• Missing doorbells, phone rings or alarms
• Hearing ringing or buzzing in your ears (this is called tinnitus)

If you notice any of these problems, it is wise to have a hearing test. Hearing tests are quick and painless. They can spot any loss early and help you decide on the next steps.

Treatments for hearing loss

Let’s look at the most common treatments:

1. Hearing aids

Hearing aids are the most common treatment. They are small devices that sit in or behind your ear and make sounds louder and clearer. Nowadays, hearing aids are more compact and comfortable. Some are almost invisible, and many can connect to your phone or TV with Bluetooth.

A hearing specialist will help you choose the best hearing aid for your needs and teach you how to use and care for it.

1. Cochlear implants

For people with extreme hearing loss, a cochlear implant might help. Unlike hearing aids, which amplify the sounds, cochlear implants send signals straight to the hearing nerve. This device requires surgery, but it can bring back some sense of sound for those who cannot benefit from hearing aids.

However, the cost of a cochlear implant can be quite high, as it includes the surgery, the device and ongoing follow-up care. Most of the senior citizen health insurance policies cover the expense of the cochlear implant.

1. Assistive listening devices

There are also special devices to help you hear better in specific situations. For example, a phone amplifier can make phone calls clearer. Loop systems in public spaces like churches or theatres can help people with hearing aids hear the performance better.

Tips to protect your hearing

Here are some simple habits to protect your hearing:

• Keep the volume down: If you use earphones or headphones, follow the 60/60 rule. Listen at 60% of maximum volume and for no more than 60 minutes at a time.
• Use ear protection: Wear earplugs or earmuffs if you work in noisy places or go to loud concerts.
• Take listening breaks: Give your ears regular rest from loud sounds.
• Stay away from loud noises: If you need to shout over the noise to talk, it is probably too loud.
• Check the volume at home: Keep TVs, radios and speakers at a comfortable volume.
• Have regular hearing tests: Just like eye tests, hearing checks can spot problems early.

Children should also be protected from loud noise. Their ears are very sensitive, and too much noise at a young age can cause lifelong hearing problems.

Conclusion

Your hearing deserves care and attention throughout your life. Damaged hearing is usually permanent. If you notice any problems with your hearing, do not wait. Get it checked and explore the treatments available. Modern hearing aids and other devices can make a huge difference.

While you focus on protecting your hearing health, it is also wise to plan for other unexpected illnesses or injuries. You can get guidance on health insurance options that may support you in managing future medical needs. Simply fill in the form on this page to receive tailored policy advice to suit your lifestyle and help you stay prepared.

FAQs

• Can loud music damage my hearing?

Yes. Listening to music at higher volumes, especially through headphones, can damage the small hair cells in your inner ear. These cells do not grow back, so the hearing loss is permanent.

• Is hearing loss just part of getting older?

Not always. While age-related hearing loss is common, noise, infections and injuries can cause hearing problems at any age.

• How often should I have my hearing tested?

Adults should have a hearing check every few years, or sooner if they notice problems. People who work in noisy jobs may need yearly tests.

• What is tinnitus?

Tinnitus is a ringing, buzzing or whistling sound in your ears that only you can hear. It is often a sign of hearing damage.

• Can I prevent hearing loss?

You cannot always prevent hearing loss from ageing, but you can protect your hearing from loud noise and other risks. Wear ear protection, keep the volume down and have regular checks.

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.

Many people feel chest pain and immediately worry they might be having a heart attack. However, sometimes, it is simply heartburn, which can feel very similar. Knowing the difference between these conditions is important because a heart attack needs emergency medical help, while heartburn is usually less serious. In this blog, we will look at how to tell them apart, what symptoms to look for and what treatments are available.

What is a heart attack?

Heart attacks happen when the blood flow to a part of the heart is blocked. This usually arises because of a blood clot in one of the heart’s arteries. Without blood, the heart muscle cannot get the oxygen it requires, and it starts to die.

A heart attack is a medical emergency. Quick treatment can save your life and reduce long-term damage to your heart.

Symptoms of a heart attack

Heart attack symptoms can vary, but common signs include:

• Discomfort or pain in the centre or left side of the chest. It can feel heavy, tight or like pressure. Some people say it feels like a weight on their chest.
• Pain spreads to the shoulders, arms, neck, jaw or back
• Shortness of breath
• Feeling sick (nausea)
• Breaking out in a cold sweat
• Feeling light-headed or dizzy
• A sense of fear or doom

Not everyone has the same symptoms. Some people, especially women, older people and those with diabetes, might have milder or unusual symptoms, such as tiredness or indigestion-like discomfort.

Diagnosis of a heart attack

Doctors diagnose a heart attack by:

• Asking about your symptoms and health history
• Doing an ECG (electrocardiogram) to check the heart’s electrical activity
• Taking blood tests to look for cardiac enzymes
• Sometimes doing heart scans or an angiogram (a special X-ray of the heart arteries)

Treatment for a heart attack

The sooner you get treatment during a heart attack, the better your chances of survival. Treatment might include:

• Medicines to break up clots and improve blood flow
• Procedures like angioplasty (where doctors open a blocked artery with a balloon and sometimes placing a small tube called a stent)
• Surgery in some cases

A heart attack can mean staying in hospital, seeing heart specialists, having an operation and continuing medication. These things can cost a lot of money, depending on where you live. A health insurance policy can help you pay for hospital stays, medicines and any follow-up care you might need after going home.

What is heartburn?

Heartburn is a painful burning feeling in the chest, usually after eating. It happens if acid from your stomach goes back up into your oesophagus (the tube that carries food to your stomach). This is also called acid reflux. Heartburn is common and usually not dangerous, but it can be very uncomfortable.

Symptoms of heartburn

Heartburn symptoms include:

• A burning feeling in the chest, behind the breastbone
• Pain that often starts after eating or when lying down
• Sour or bitter taste in the mouth
• Feeling like food is coming back up
• Occasional cough or sore throat

Treatment for heartburn

Heartburn treatment is usually simpler. If you only get it now and then, you can try:

• Eating smaller meals
• Avoiding spicy, fatty or acidic foods
• Not lying down straight after eating
• Raising the head of your bed if you get heartburn at night
• Taking antacids from a pharmacy

If you get heartburn often, you may need medicine to reduce stomach acid. In rare cases, if medicines do not help, surgery might be needed.

Differences between heartburn and a heart attack

It can be hard to tell the difference between heartburn and a heart attack because both can cause chest pain. Here are some tips to help tell them apart:

Conclusion

Chest pain can be scary. It is important to know that heartburn is common and usually harmless, but a heart attack is serious and needs urgent help. Since both conditions can feel similar, it is necessary to understand the differences in symptoms and seek medical help when needed. In case hospitalisation and treatment are required for you or any of your family members, having a health insurance policy for family can help cover the expenses.

While you do your best to look after your health, it is also important to plan for times when you may get ill or have an accident. If you would like help choosing the right health insurance, fill out the form on this page. An expert advisor will guide you to find a policy that suits you and your family.

FAQs

• Can heartburn feel like a heart attack?

Yes, heartburn can cause chest pain that feels scary and similar to a heart attack. However, heart attack pain is usually heavier and may spread further to the arm, neck or jaw. If in doubt, get medical help.

• How long does heartburn last?

Heartburn pain usually lasts minutes to a couple of hours and often gets better with antacids or standing up.

• What foods make heartburn worse?

Spicy food, fatty food, chocolate, coffee and alcohol can all make heartburn worse.

• Can stress cause heartburn or a heart attack?

Stress does not cause a heart attack directly, but it can make heart problems worse. Stress can also trigger heartburn in some people.

• Should I see a doctor for heartburn?

If you have heartburn often (more than twice a week), trouble swallowing, weight loss or vomiting, you should see a doctor.

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.

Modern life often leaves little room for stillness. The mind rarely finds time to pause as it keeps on struggling between constant modification and an endless to-do list. This is where yoga steps in. Among the many branches of yoga, kriya yoga holds a special place. It is a powerful blend of breathing techniques, meditation and self-discipline that aims to cleanse the mind and awaken deeper awareness. The benefits of kriya yoga go beyond physical movement to harmonise energy, thought and spirit.

This blog will explore kriya yoga meaning, poses and benefits.

What is kriya yoga?

Kriya yoga is a spiritual practice that combines specific breathing techniques, meditation and self-discipline to help individuals gain control over their mind and energy. The term “kriya” means “action.” This refers to conscious inner actions that purify the body and mind. Unlike regular yoga, which focuses mainly on physical postures, kriya yoga emphasises inner transformation through controlled breath and awareness.

Different types of kriya yoga

The different types of kriya yoga are as follows:

• Neti: This type of kriya yoga uses a nasal cleansing technique that clears the nasal passages, improves breathing and reduces sinus-related issues.
• Dhauti: It focuses on cleansing the digestive tract to eliminate toxins and improve digestion.
• Trataka: This involves steady gazing at a fixed point, such as a candle flame. It strengthens focus and improves eyesight.
• Basti: This yogic enema technique is used to cleanse the colon, supporting better gut health.
• Nauli: It involves abdominal muscle movement to stimulate internal organs and aid digestion.
• Kapalbhati: This breathing exercise detoxifies the lungs and energises the mind by improving oxygen flow.

What are the benefits of kriya yoga?

Kriya yoga poses differ from regular yoga, and so do their benefits. The main ones include:

• Improves mental clarity: Kriya yoga meditation, like Trataka, helps promote focus, mindfulness and concentration.
• Boosts energy levels: The effects of kriya yoga, through poses like Kapalbhati, Nauli and Basti, help detoxify the body and increase vitality through controlled breathing and rhythmic movements.
• Reduces stress and anxiety: It helps balance the nervous system and induce relaxation, which can reduce tension and emotional instability.
• Enhances digestion: It stimulates internal organs and supports better metabolism through abdominal cleansing techniques.
• Supports respiratory health: It strengthens the lungs and improves oxygen flow, promoting easier and deeper breathing.
• Promotes spiritual growth: It encourages inner peace, mindfulness and connection with higher consciousness through meditative awareness.

Steps to do kriya yoga

Now that you know what kriya yoga is, here is the step-by-step guide to perform it:

1. Step 1: Sit in a quiet and comfortable space with your spine straight and mind relaxed.
2. Step 2: Begin with slow, deep breathing to calm your body and centre your thoughts.
3. Step 3: Practice rhythmic inhalation and exhalation while maintaining awareness of your breath flow.
4. Step 4: Incorporate practices like Kapalbhati (cleansing breath) and Trataka (focused gaze) for balance and purification.
5. Step 5: End your kriya with a few minutes of silent meditation to absorb the practice’s effects and restore inner calm.

Precautions to take while performing kriya yoga

While kriya yoga offers numerous physical and mental benefits, it is important to approach it with care. Beginners should learn the techniques under a trained instructor to avoid incorrect breathing patterns or prevent strain. Practising on an empty stomach, in a calm and clean environment, helps maximise its effects.

Individuals with respiratory, cardiac or spinal issues should first consult a healthcare professional before starting. Always listen to your body and avoid overexertion, as kriya yoga should restore balance and not cause discomfort.

In addition, it is always good to secure a reliable medical insurance policy. Having this ensures you a financial safety net for medical expenses, such as hospitalisation, medications, laboratory tests and treatments.

The inclusions and exclusions depend on the plan you choose, such as individual health insurance, critical illness or a family health insurance plan. Overall, this ensures your peace of mind to focus on quality medical care without any financial burden.

Conclusion

Kriya yoga is more than a physical practice. By harmonising breath, body and mind, it helps manage stress, improve focus and enhance overall health. When performed mindfully and consistently, it can lead to profound physical and emotional transformation, promoting long-term well-being and balance in daily life.

Additionally, being financially prepared is essential as medical emergencies can occur anytime. Selecting a suitable medical insurance plan can help cover medical expenses when needed the most.

FAQs

1. What is kriya yoga used for?

Kriya yoga is practised to purify the mind and body, improve focus and promote spiritual growth through controlled breathing and meditation.

2. Can beginners learn kriya yoga?

Beginners can start with simple breathing and cleansing techniques under the guidance of a trained yoga instructor.

3. How often should I practise kriya yoga?

Practising kriya yoga for 20-30 minutes daily can help you stay consistent and enjoy long-term physical and mental benefits.

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.

Diabetes is one of the most prevalent health conditions in the world. It can affect people of any age, and it often requires lifelong care. Managing diabetes with medical care is not cheap. You may need regular check-ups, medicines, blood tests and sometimes hospital stays. This is why having a health insurance plan for diabetes can make a huge difference.

Let’s explore what diabetes insurance is, what features it offers, and why it is so important for people living with diabetes.

What is diabetes insurance?

It is one kind of health insurance specifically tailored for diabetes patients. It helps in covering medical costs associated with the care and treatment of the condition. It includes the expenses for hospital stays, doctor consultations, medicines and even costs for managing diabetes-related complications.

Regular health insurance policies might not always offer enough coverage for someone with diabetes. Some even exclude diabetes completely or place a long waiting period before you can claim for its treatment. Diabetes insurance, on the other hand, is meant to meet the needs of people already living with the condition. It helps them get treatment without worrying too much about money.

Features of a diabetes insurance plan

A diabetes insurance plan has several special features. It covers the following conditions:

• Pre-existing diabetes: Unlike regular health insurance plans, diabetes insurance accepts that you already have diabetes and offers coverage from day one, or after a short waiting period.
• Hospitalisation: If you need to stay in hospital because of diabetes or a related complication, the insurance will cover your hospital bills, including room rent, nursing charges and doctor’s fees.
• Day-care treatments: Many diabetes-related treatments do not need an overnight hospital stay. Diabetes insurance usually covers these treatments also.
• Diagnostic tests: Blood sugar tests, HbA1c tests, cholesterol checks and other diagnostic tests are often covered. These examinations are important for monitoring your diabetes.
• Complications: Diabetes can lead to serious issues like kidney disease, eye problems, nerve damage or heart disease. Diabetes insurance can help cover the treatment of these complications.
• Cashless treatment: Many plans allow you to get treatment at a network hospital even without paying upfront, making the process easier and less stressful.
• Wellness programmes: Some diabetes insurance policies include wellness services like diet advice, fitness plans or health coaching to help you manage the condition better.

These features make diabetes insurance more practical and helpful than a standard health insurance policy if you already have the condition.

Benefits of diabetes insurance

There are many benefits to having diabetes insurance:

1. Early coverage for diabetes

Ordinary health insurance often does not cover diabetes straight away. With diabetes insurance, you get faster or even immediate coverage, so you are protected right from the beginning.

2. Better disease management

Diabetes insurance often supports you with wellness tools, doctor visits and tests, so you can manage your condition more effectively. This can prevent further health problems in the future.

3. Less financial burden on the family

If you have no insurance and something goes wrong, your family might struggle to pay for your care. Diabetes insurance can protect your loved ones from financial hardship. Also, many policies offer cashless treatment in partner hospitals. You only need to show your health card, and the insurer will deal directly with the hospital, so you do not have to arrange large sums of money at once.

Importance of having health insurance for a diabetes patient

People with diabetes have higher medical needs than others. They might need medicines every day, regular blood tests, special diets and frequent doctor check-ups. If their diabetes is not well managed, they can also end up in the hospital with serious complications like heart attacks, kidney failure or eye problems. This means the cost of managing diabetes is high and continues for life. A normal health insurance policy might refuse to cover these expenses or place strict limits on them. Diabetes insurance is designed to give you proper coverage without as many restrictions.

Here are some reasons why a health insurance plan is especially important for people with diabetes:

• High risk of complications: Diabetes can lead to other diseases, which cost a lot to treat.
• Ongoing expenses: You will likely need medicines and tests for life.
• Unpredictable emergencies: You could develop sudden problems like infections, foot ulcers or even diabetic coma, which need emergency hospital care.
• Inflation in healthcare: Medical costs are rising every year. Without insurance, you may struggle to afford the best treatment in the future.
• Protects your savings: Diabetes insurance stops you from having to dip into your savings or borrow money to pay for treatment.

Conclusion

Diabetes is a long-term condition that needs careful management, and ignoring it can lead to dangerous complications. Diabetes insurance is designed to give you confidence and security, covering all the expenses related to treating the condition and its complications. However, if you are buying medical insurance for parents, make sure that it covers diabetes.

While you work hard to look after your health, we can help you find the best cover for your needs. If you want personal health insurance advice and options that suit your situation, just fill out the simple form on this page. We are here to guide you and help you stay protected.

FAQs

• Does health insurance cover Type 1 and Type 2 diabetes?

Many diabetes insurance policies cover both Type 1 and Type 2 diabetes. Always check the details before buying.

• Can I buy diabetes insurance if I have other health conditions too?

It depends on the policy. Some plans accept other conditions, while others may limit coverage or charge a higher premium.

• Do I need a medical check-up before buying diabetes insurance?

Some policies may ask for a health check-up before issuing the cover, but not all.

• Will it cover complications caused by diabetes?

Yes, that is a key feature of diabetes insurance. It usually includes complications like kidney problems, heart disease or eye damage.

• How do I buy a diabetes insurance policy?

You can contact an insurance agent, visit an insurer’s website or talk to a trusted financial advisor. Always compare plans and read the terms before you buy.

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 liver is a vital organ of the body. It plays a key role in detoxifying the body, producing essential proteins and supporting digestion. However, enlargement of the liver may indicate underlying health issues. Formally called hepatomegaly, the reasons for enlargement of the liver can range from infections and liver diseases to heart conditions or metabolic disorders.

While sometimes hepatomegaly may not show noticeable symptoms, in many cases it can lead to discomfort, fatigue or other health complications. Early recognition of the causes, symptoms and appropriate treatment is crucial to ensure timely medical intervention and managing liver health effectively.

This blog will look into hepatomegaly meaning, along with everything you need to know about it, such as causes, symptoms and treatment.

What is hepatomegaly?

Hepatomegaly refers to the abnormal enlargement of the liver beyond its normal size. The liver’s normal size can vary slightly based on age, sex and body size, but a significant increase usually indicates inflammation, congestion or fat accumulation. In many cases, hepatomegaly is discovered incidentally during routine health check-ups or imaging tests before symptoms become apparent.

What causes hepatomegaly disease?

Hepatomegaly causes are as follows:

• Liver diseases: Conditions like hepatitis, fatty liver or cirrhosis can lead to an enlarged liver.
• Infections: Viral or bacterial infections, such as mononucleosis or malaria, may cause hepatomegaly.
• Heart conditions: Congestive heart failure can result in liver congestion and enlargement.
• Metabolic disorders: Disorders like glycogen storage diseases or hemochromatosis can affect liver size.
• Medication and lifestyle factors: Long-term use of certain medications, alcohol use, poor diet or exposure to toxins can contribute to liver enlargement.

What are the symptoms of hepatomegaly?

The most common hepatomegaly symptoms are as follows:

• Abdominal discomfort or pain: Mild to moderate pain or tenderness in the upper right side of the abdomen.
• Feeling or fullness: A sensation of bloating or heaviness in the stomach area.
• Nausea and fatigue: General tiredness and occasional nausea may occur.
• Jaundice: Yellowing of the skin and eyes in severe cases.
• Unexplained weight loss: Sudden loss of weight without dietary changes.
• Swelling: Fluid accumulation in the abdomen (ascites) in advanced stages.

Treatment options for hepatomegaly

Hepatomegaly treatment involves focusing on addressing the underlying cause. Lifestyle changes, such as a balanced diet, regular exercise and limiting alcohol intake, are often recommended. In addition, medication may be prescribed to manage liver diseases, infections or metabolic disorders. In severe cases, procedures like liver surgery or transplantation may be necessary. Early diagnosis and timely treatment can help prevent complications and improve liver health.

Does health insurance cover hepatomegaly treatment?

Yes, many health insurance policies provide coverage for the treatment of hepatomegaly when it is medically necessary and diagnosed by a certified doctor. Depending on the policy, this may include hospitalisation, diagnostic tests, medications and procedures related to liver care. There are various types of plans available, such as critical illness insurance, which offers a lump-sum payout upon diagnosis of serious conditions.

Having the right health insurance plan in place helps manage the financial burden of unexpected health issues. It ensures access to quality medical care and timely treatment without added stress over rising healthcare costs.

Conclusion

Hepatomegaly can arise from various health conditions. This is what makes early diagnosis and treatment crucial. Recognising symptoms, understanding causes and seeking medical care can help manage the condition effectively. Lifestyle adjustments, medical treatment and regular monitoring are critical to prevent complications and support liver health. Additionally, having a suitable insurance plan is vital to ensure financial support for treatment, tests and hospitalisation.

FAQs

1. How is hepatomegaly diagnosed?

Hepatomegaly diagnosis involves physical examination, blood tests, ultrasound, CT scans or MRIs to determine the size of the liver and underlying cause.

2. Is hepatomegaly painful?

It may or may not be painful. Some people may experience discomfort or a feeling of fullness in the upper right abdomen.

3. Can diet help manage hepatomegaly?

Eating a balanced diet, low in alcohol and unhealthy fats, can support liver health and help manage certain causes of hepatomegaly.

4. Can hepatomegaly be completely treated?

Hepatomegaly treatment depends on the underlying cause. Many cases can be managed effectively with medication, lifestyle changes or surgery.

5. Can pre-existing hepatomegaly affect insurance premiums?

Pre-existing liver conditions like hepatomegaly may impact premiums or waiting periods. It is crucial to check the policy wording to know about inclusions and exclusions.

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.

Inositol is a natural compound often called vitamin B8, though it isn’t an actual vitamin. It supports cell structure and several key body functions. Many people take inositol supplements to manage conditions like PCOS, metabolic disorders and mood imbalances. With rising awareness about hormonal and emotional health, interest in this nutrient is increasing. While inositol offers several benefits, taking it in excess can lead to side effects. This blog explores the meaning of inositol, its major uses, benefits, types and safe dosage to help you make informed health choices.

What is Inositol?

Inositol is a type of sugar that allows cell membranes to build and supports the activity of insulin and brain messengers. It occurs naturally in the body and is found in foods such as meat, fruits, and grains. Although it is known as vitamin B8, it functions differently from vitamins.

The meaning of inositol lies in its role as a cell-supporting compound that helps regulate mood, hormones, and metabolism. Supplements containing inositol are often used to improve insulin sensitivity and support mental balance. Understanding what inositol is can help you decide whether adding it to your diet may be useful.

Types of Inositol

There are nine known types of inositol, but the two main forms are myo-inositol and D-chiro-inositol. Myo-inositol helps the body use glucose efficiently while D-chiro-inositol supports energy storage. Together, they help improve insulin function and support women’s reproductive health.

A balanced mix of these two types may reduce the effects of PCOS, such as irregular periods, acne and weight gain. While inositol hexaphosphate exhibits promise in antioxidant research, other forms of inositol, such as inositol nicotinate, may enhance blood flow. The inositol dosage must depend on your health requirements and be prescribed by your doctor.

What are the uses of Inositol?

The main inositol uses relate to metabolic and hormonal balance. It may improve insulin sensitivity, helping manage diabetes and metabolic syndrome. In women, it supports fertility and eases symptoms of polycystic ovary syndrome (PCOS) by promoting healthy ovulation and hormone balance.

Pregnant women may also take it under supervision to reduce the risk of gestational diabetes. In addition to these benefits, inositol promotes brain function and may lessen the symptoms of anxiety and sadness. It is occasionally used in conjunction with therapy or medication to support emotional stability, but it should never be used in place of medical care.

Different benefits of Inositol

The primary inositol benefits of inositol are its favourable impacts on mood, metabolism, and reproductive health. Studies suggest that it may regulate brain chemicals like serotonin and dopamine, which play a role in reducing depression and anxiety. People dealing with bipolar disorder or panic attacks have also seen mild improvement when using inositol under medical supervision.

Inositol may support heart health by improving cholesterol levels and lowering blood pressure. It may also improve hair health by fortifying follicles and decreasing hair loss. Because of these possible advantages, both men and women use it as a supplement.

What are the potential Side Effects of ionositol

Although generally safe, excessive intake can lead to inositol side effects such as nausea, fatigue or mild dizziness. Some people may also experience bloating or headaches. Most studies show that doses up to 12 grams daily are well-tolerated, but the right inositol dosage varies from person to person. Pregnant women have safely used up to 4 grams a day without problems, but research on breastfeeding women is still limited. Always consult a doctor before beginning any supplement, as safety data for long-term use remains incomplete.

Role of Health Insurance for medical issues due to inositol

It is essential to have enough coverage if you suffer from health issues or adverse consequences related to supplements. Medical expenses resulting from examinations, tests or treatments can be controlled with a solid health insurance plan. Health insurance for parents is equally essential, as older adults often face higher medical risks. Making the correct strategy guarantees timely support and financial stability if unforeseen health difficulties relating to supplements or lifestyle choices emerge.

Conclusion

Numerous vital physiological functions, such as hormone regulation and mood balance, are supported by inositol. The right kind and dosage can improve metabolic health, fertility and emotional stability. Though it is safe for most people, taking it under medical guidance helps prevent unwanted reactions. Relying on suitable health insurance adds another layer of protection for your well-being. As more people turn to inositol for hormonal or mental health support, understanding your body’s needs and choosing what suits you best becomes essential for maintaining good health.

FAQs

1. Is it possible to use inositol along with other supplements?

To avoid any unexpected interactions, it is best to speak with a doctor before taking inositol with other supplements, such as folic acid or vitamin D.

2. How long does inositol take to start working?

Most people experience effects after 6 to 8 weeks of consistent use, though results vary. The dosage and your health status determine the effect.

3. Can elderly people safely use inositol?

Yes, when taken as prescribed, inositol is generally safe for older persons. However, it's ideal to speak with a doctor before using it, particularly if they have health problems or take other prescriptions.

Disclaimer: This blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. 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.

Growing older comes with many life changes, and one of the biggest is retirement. While it can be a wonderful time to enjoy life and relax, this phase also means you might lose the coverage from the health insurance plan you had through your job. As you age, health problems can become more common. So, having proper health coverage even after retirement is important.

Top reasons to have health insurance after retirement

There are several strong reasons why having health insurance plans in retirement is so important. Here are the top ones:

• Rising medical costs: Medical expenses are steadily on the rise, and they can exhaust your retirement savings in no time. Inflation in the healthcare sector is projected to hover around the 15% mark every year, and this is only expected to rise further. Additionally, if you want to get treated at a private healthcare facility, then it would entail a bigger outlay, draining your retirement corpus. However, a health insurance policy can prevent this from happening. It offers you adequate coverage for medical interventions.
• Higher risk of illness with age: Even if you have been healthy all your life, you may face new health conditions when you get older. Elderly people are more likely to get illnesses such as diabetes, high blood pressure, heart problems, joint pain or even certain cancers. Treatments for these conditions can be very expensive, especially if you need surgery or long-term medicine. Without health insurance, paying for these medical bills from your savings can quickly use up your retirement money.
• Limited income in retirement: Many older people live on a fixed income from their pension or savings, and a major illness could ruin their financial stability. Here, health insurance provides a safety net. It helps in covering the expenses for doctor visits, hospital stays, medicines and other treatments. This means you will not have to worry about huge costs if you get sick.
• Better treatment options: With insurance, you can choose better hospitals or get modern treatments which might otherwise be too costly. This means you can focus on your health rather than your finances.

Tips for buying health insurance for seniors

Buying health insurance as a senior is different from buying it when you are younger. Here are some helpful tips to choose the right plan:

• Check the age limits: Some insurers have an upper age limit for new policies. Always check if you are eligible before applying.
• Look for pre-existing disease cover: Many seniors already have conditions like diabetes or high blood pressure. Check if these are covered, and how long the waiting period is before you can claim for them.
• Check co-payment rules: Some plans for seniors have a “co-payment” rule, meaning you must pay a small part of the treatment cost. Understand this clearly so you are not surprised later.
• Go for lifelong renewability: Make sure your policy can be renewed for life. You do not want to lose your insurance when you are older and need it most.
• Check network hospitals: Insurance companies often have tie-ups with certain hospitals. Look at their list to make sure there is a good hospital near you, so you can get cashless treatment easily.
• Look at what is excluded: Every policy has things it does not cover, known as “exclusions”. Read the policy wording carefully so you know what is not included.
• Consider add-on covers: Some plans let you add benefits like critical illness cover, personal accident cover, or daily cash benefits during hospital stay. These can give you even more protection. If you live with your spouse or other family members, you might also look at family health insurance plans. These cover more than one person under a single policy, which can make it easier to manage premiums and protect the whole household.
• Compare policies: Do not rush into the first policy you see. Compare benefits, premiums, and features of different policies to get the best value for money.

Which government schemes offer health insurance to senior citizens?

In India, there are several government health insurance schemes designed to help senior citizens manage their medical expenses. These aim to support people who have limited income after retirement and cannot afford expensive private insurance. Here are some of the main options:

1. Pradhan Mantri Jan Arogya Yojana (PMJAY)

Often known as Ayushman Bharat, this scheme provides health insurance cover to economically weaker sections. It offers cashless treatment for hospitalisation up to a certain amount per year, covering a wide range of diseases and surgeries in government and empanelled private hospitals.

2. Central Government Health Scheme (CGHS)

Retired employees of the central government and their dependents can get health benefits under CGHS. This scheme provides treatment through government wellness centres and empanelled hospitals, covering a range of illnesses and surgeries.

3. Employees’ State Insurance Scheme (ESIS)

If you were an employee covered under ESIS, you and your spouse may continue to receive certain medical benefits after retirement, depending on your contribution history and eligibility rules.

Conclusion

Retirement should be a time to enjoy life, spend time with family, and pursue hobbies. However, health worries can spoil that happiness. Medical costs can be a serious burden if you do not have a proper health insurance plan in place. The policy protects you from any unexpected medical expenses and allows you to get the best possible treatment without worrying about bills.

If you feel unsure about which health insurance is best for you, help is available. Our experts can guide you to find the right cover for your needs. Just fill out the form on this page, and get the right advice to choose an ideal policy.

FAQs

• Do I need health insurance if I am healthy at retirement?

Yes. Even healthy people can get sudden illnesses or accidents. Medical treatment is expensive, so insurance gives you security.

• What if I already have a disease?

Many insurers cover pre-existing diseases after a waiting period. Check the policy rules before you buy.

• Is health insurance very expensive for seniors?

Premiums for seniors can be higher, but it is still better than paying huge bills during a medical emergency. Government schemes can also help lower the cost.

• Can I get insurance after turning 65?

Some insurers allow new policies up to 70 or even 75 years old, while others have no maximum age. Always ask about age limits.

• What is co-payment?

Co-payment means you pay part of the bill yourself, while the insurer pays the rest. Many senior citizen policies include this, so check carefully.

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.

Monsoon season brings much-needed relief from the summer heat with its cool rains. However, it also creates conditions that can pose serious health risks, malaria being one of the most significant. When the rainwater collects in puddles and containers, it becomes a good breeding ground for mosquitoes that spread malaria.

If you live in a region with heavy monsoon rainfall, knowing about malaria is crucial to keeping everyone safe. Let’s break down what malaria is, its symptoms, how to prevent it and why quick treatment matters.

Monsoon is upon us, and so is malaria

Monsoon arrives with cloudy skies, green surroundings, and a much-needed break from the scorching heat. But the downside is the sudden rise in mosquito populations. Warm, wet conditions help mosquitoes breed faster. The female Anopheles mosquito, which carries malaria parasites, thrives in stagnant water.

Every monsoon season, the number of malaria cases goes up in many areas. Malaria can cause serious illness and sometimes even death if not treated quickly. That’s why being alert and taking action to prevent mosquito bites is so important during the rainy season.

Startling malaria statistics

Malaria has long been a public health problem in the country. Around 95% of people live in areas where malaria is common, and about 80% of malaria cases are reported from only 20% of the population living in remote, tribal, and hilly regions.

Looking at the national data from 1995 to 2022, there has been a clear downward trend in malaria cases. In the late 1990s, around 2 million malaria cases were reported each year. By 2022, this figure had dropped to just 0.18 million.

Symptoms of malaria

Malaria symptoms usually appear about 10-15 days after being bitten by an infected mosquito. The most common signs include:

• High fever and chills
• Sweating
• Headache
• Muscle aches
• Feeling tired or weak
• Nausea or vomiting
• Diarrhoea

In severe cases, malaria can lead to confusion, seizures, anaemia, breathing problems, or even organ failure.

How to prevent malaria

Here are some simple tips to protect yourself and your family:

• Sleep under insecticide-treated mosquito nets
• Wear long sleeves and trousers, especially after dark
• Use mosquito repellents on exposed skin
• Install screens on doors and windows to keep mosquitoes out
• Avoid going out at dusk or dawn. This is when mosquitoes are most active

Cleaning up your surroundings is also key. Remove anything where water can collect, such as old tyres, flower pots, broken buckets, or coconut shells. Mosquitoes can breed even in tiny puddles of water.

Home & community-level prevention tips

Malaria control isn’t just an individual effort. The whole community must help. Here’s what you can do at home and in your neighbourhood:

At home:

• Check for water leaks and fix them
• Clean water storage tanks regularly
• Keep drains unblocked and free-flowing
• Change the water in flower vases often
• Add a small amount of kerosene or oil to stagnant water to stop mosquitoes breeding (if safe to do so)

In your community:

• Join local clean-up drives to remove waste
• Report blocked drains or waterlogging to the authorities
• Encourage neighbours to keep their surroundings clean
• Support the spraying of insecticides or fogging by local authorities

By working together, you and your neighbours can greatly reduce the risk of malaria.

Importance of timely diagnosis and treatment

Malaria can turn deadly if treatment is delayed. The malaria parasite destroys red blood cells, leading to severe anaemia and other complications. It can even affect the brain, kidneys, and other vital organs.

That’s why it is so important to see a doctor as soon as you notice a fever, especially during monsoon season. Malaria can sometimes look like the flu or viral fever, so only a blood test can confirm it.

How health insurance can help during malaria treatment

Malaria treatment may involve hospital visits, lab tests, and sometimes even hospital stays if complications arise. These expenses can be stressful for families. A good health insurance plan can cover hospital bills, medicines, and other related costs.

During the monsoon, it makes sense to check whether your health policy covers vector-borne diseases like malaria. Some policies even cover outpatient expenses, so you can get tested and treated without having to worry about big bills.

If you don’t have health insurance plans, consider getting a policy that includes protection against diseases that are common during the rainy season. That way, you can focus on your recovery instead of worrying about money.

Conclusion

Monsoon is a beautiful time of year, but it also brings the risk of malaria. If you notice a fever, especially during the rainy season, do not delay. See a doctor and get tested straight away. Early diagnosis and proper treatment save lives.

At the same time, having health cover can ease your mind in case you or your loved ones need treatment for malaria or other illnesses. If you would like guidance on choosing the right health insurance policy for family, simply fill in the form on this page. We’ll help you find a plan that suits your needs, so you can focus on staying healthy while we help secure your peace of mind.

FAQs

• What causes malaria?

Malaria is caused by the parasite Plasmodium, spread when a female Anopheles mosquito that is infected bites.

• How soon do malaria symptoms appear?

Usually, symptoms start 10-15 days after a bite from an infected mosquito.

• Is malaria contagious from person to person?

No, malaria cannot spread directly from one person to another. It needs a mosquito to carry the parasite.

• Can malaria be treated at home?

No, you should see a doctor and get a proper diagnosis and medicines. Home remedies are not enough and can be dangerous.

• Should I take malaria prevention tablets?

If you live in or travel to a high-risk area, ask your doctor about preventive medicines.

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.

Managing health insurance plans often feels complex, with multiple documents, claim forms and remembering the renewal timeline. A health insurance app is a solution for this. It brings everything into one place.  Nowadays, many insurance companies have their own apps to streamline policy management and offer customer support.

Let us learn about health insurance apps in detail.

What are health insurance apps?

Health insurance apps are digital platforms offered by insurers to help policyholders manage their coverage through a smartphone or tablet. These apps enable users to view premiums, track renewal dates, access digital ID cards and store all policy details in one place securely. They also streamline claims by enabling document uploads, real-time status tracking and instant updates. You can use these apps to search for hospitals or doctors, book appointments and get telemedicine services.

Many apps now also foster wellness by sending medication reminders, promoting health check-ups and offering family health management features.

What are the benefits of health insurance apps?

Using a medical insurance app can bring the following advantages:

• Convenience and time-saving: Renew policies, check claim status and consult doctors online from your phone with ease.
  
  
• Clarity and visibility: Access all policy details, digital cards and premium schedules at a glance.
  
  
• Cost savings and efficiency: Streamlined processes lower administrative costs for insurers, resulting in faster approvals, smoother claims and sometimes rewards for healthy behaviours.
  
  
• Better health monitoring and preventive care: Users get reminders for check-ups, vaccination schedules and prevention programmes.
  
  
• Personalisation: Apps adapt to age, health history or family status to provide relevant recommendations on wellness.
  
  
• Improved user experience: Clean design, easy login and smooth navigation encourage users to stay engaged and prefer digital channels over traditional ones.

How to choose a health insurance app?

If you are looking for a good health insurance app, regardless of whether it is the IL TakeCare app or another, here are some main criteria to help you decide:

• All-in-one bundling of services: Choose an app that combines major features such as policy and claim management, hospital search, appointments and wellness tips into one platform.
  
  
• Ease of use/user interface: Look for a simple design, easy navigation and quick login or registration.
  
  
• Relevant features for your situation: Prioritise telemedicine, fitness tracking and preventive care tools if you are tech-savvy. Features like child vaccination reminders, family health tracking and bonus programmes add value for families.
  
  
• Security and reliability: Ensure the app provides strong data privacy, secure storage and clear policies on how your health information is handled, along with dependable customer support.
  
  
• Support and updates: Pick apps that are regularly updated with fixes, improvements and responsive customer service.
  
  
• Accessibility and cost: Check if the app is free, available in your preferred language and compatible with your device. Consider whether your insurer charges extra for digital services.

Limitations of using a health insurance app

The apps for health insurance also come with their own set of challenges. Users often face hurdles during registration or login, which can discourage regular use. Policyholders are unaware of the app’s full capabilities in some cases, which can lead to underuse. A cluttered interface or outdated design can also make navigation frustrating.

Beyond usability, there are concerns about limited features in certain apps that only cover basic administrative tasks while leaving out wellness tools or telemedicine options. Data security and privacy are also crucial problems, as users want reassurance that their medical information is safe. Finally, technology barriers exist. Older individuals or those without reliable smartphones and internet access may find it difficult to benefit fully from these digital tools.

Tips to use a health insurance app

You can follow these simple practices to make your health insurance app more effective and reliable:

• Set up alerts and reminders: Activate notifications for renewals, premium due dates and preventive check-ups to avoid missing deadlines.
  
  
• Upload documents: Store policy papers, medical records and emergency contacts in the app for quick access when needed.
  
  
• Use wellness features: Take advantage of health tips, reminders and preventive programmes to stay proactive about your health.
  
  
• Leverage telemedicine: Opt for virtual consultations to save time and reduce travel costs.
  
  
• Keep your profile updated: Add accurate details about health conditions, medications and family members for better recommendations.
  
  
• Secure your account: Protect the app with strong passwords or biometric login and review data permissions regularly.

Conclusion

The best health insurance apps go beyond storing policy details. They create a central hub for health and insurance management. This ‘one app approach’ makes sure that policyholders no longer need to rely on multiple systems. Choosing the right app that is easy to use, comprehensive and reliable can make it truly effective.

FAQs

• How to use the medicare app for health insurance?

  To use the medicare app, you just need to log in with your mobile number. Then you can utilise its features like document storage, setting reminders, telemedicine facility, etc.

• Which is the best health insurance app?

  The best app for health insurance combines policy and claims management and wellness tools in a secure platform.
  
  

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.

An average person spends around 7 hours a day in front of screens, whether it’s phones, laptops or TVs. Although technology has made life easier, there’s a hidden cost that often goes unnoticed: the toll it takes on our health and well-being. Kids find it harder to focus, adults feel drained after endless hours of meetings and families end up spending more time staring at devices than talking to each other.

So, how much screen time is “too much,” and what does it really do to our minds and bodies? Read this blog to know the health impact of excessive screen time.

What counts as screen time?

Screen time is the time spent looking at screens like TVs, smartphones, tablets or computers. This includes watching shows, playing games, using social media, browsing the internet, working and even doing schoolwork on devices. Screen-based activity is known as sedentary activity, and very little energy is used while using devices.

Guidelines & age-based limits of screen time

Excessive screen time impacts people of all ages, so a limit must be set. Here are some general guidelines:

• Children (2-5 years old): Screen time should be avoided completely for this age group, as it is time for brain development. If given, it should not exceed 1 hour, and they should never be allowed to watch alone.
• Children and teens (6-18 years old): Not more than 2 hours should be given. If exceeded, it can result in an increased risk of obesity and mental health issues.
• Adults (19-64 years old): There is no such limit for adults, but limiting screen time is advisable by doctors to avoid health issues like eye strain, heart disease, stress and anxiety.
• Older Adults (65+ years old): Limit recreational screen time to 2-3 hours daily. Excessive use may worsen chronic conditions, affect cognitive health and increase social isolation, impacting overall well-being.

Physical effects of excessive screen time

There are adverse effects of screen time on adults and kids that can lead to many health problems, such as:

• Using screens before bed can disrupt sleep by affecting the brain’s sleep cycle.
• Long hours of sedentary screen use can increase the risk of obesity.
• Poor posture during screen use can cause neck, shoulder and back pain.
• Exposure to violent content may lead to aggressive behaviour in children.
• Spending long hours in front of a screen can lead to digital eye strain, including dry eyes, blurred vision and headaches.

Risks of excessive screen time for adults & kids

Adults and children both face the risks due to the ill effects of excessive screen time. It can negatively impact mental health, causing depression, anxiety, stress and low self-esteem, particularly in children and teens.

In children, it may impair cognitive development, affecting attention, memory and language skills, and contribute to behavioural issues due to reduced face-to-face interaction. Academic performance can also decline, as kids using screens for over two hours daily often show lower thinking and language scores.

Additionally, both children and adults may experience social isolation and weakened real-life social skills.

Tips to reduce excessive screen time

The impact of screen time on health and daily life can be reduced by following these simple yet effective tips:

• Fix daily screen time limits and stick to them.
• Take short breaks every 30-40 minutes when using devices.
• Avoid using screens during meals and before bedtime.
• Replace screen time with physical activities like hiking, walking, exercise or hobbies.
• Use apps or built-in features to track and control screen usage.

Conclusion

Excessive screen time affects our lives in many ways, from eye strain to poor body posture to stress levels and sleep problems. If you experience health issues related to prolonged screen use, it is advisable to consult a healthcare professional. To manage the cost of such consultations and treatments, having a health insurance policy can be beneficial.

These policies provide financial support based on their terms and conditions and offer different coverage options. For instance, you can choose an individual health insurance plan for personal needs or a family floater plan to cover multiple members under a single policy.

FAQs

• What is screen time?

Screen time is time spent using digital devices such as televisions, computers and smartphones for entertainment, work or education.

• How to reduce screen time?

Set routines, encourage playing outdoor games, keep your device out of your room and set a time limit on your device to avoid excessive use.

• Does it affect your sleep?

Some studies and medical research say that blue light from devices can delay your sleep and disrupt sleep quality in children and adults.

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.

Looking after health often falls by the wayside when daily life becomes hectic. To address this, Women’s Health and Fitness Day was established as a reminder for women to prioritise their wellbeing. It is marked every year on the last Wednesday of September, and the date in 2025 is September 24. This day is a gentle nudge to pause and give your health the attention it deserves. It reminds women to stay active and make time for regular check-ups. Let us explore further.

What is Women’s Health and Fitness Day?

Women’s Health and Fitness Day was initiated in 2002 by the Health Information Resource Centre (HIRC) and has since grown into an annual initiative. The day is meant to draw attention to the importance of regular exercise, preventive health screenings and lifestyle choices that affect women’s health at every age.

It also raises awareness of conditions that are more common among women. These include osteoporosis, breast and cervical cancer, heart disease and changes that happen during menopause.

Importance of Women’s Health and Fitness Day

This day plays a crucial role in reminding women to prioritise their well-being. Here is why it holds such importance:

• Health awareness and prevention: Women often balance many responsibilities, which can lead them to neglect their own health. The day is a reminder for women to make appointments for check-ups, screenings and early detection of health risks.
• Encouraging physical activity: Exercise improves heart health, bone strength, balance, weight control and energy. By promoting enjoyable activities, the day motivates women to stay active in ways that suit their preferences.
• Building community and support: Group classes, workshops and walks help women connect and share experiences and stay motivated together.
• Raising health equity: Many women still lack access to preventive care and health education. The day highlights these gaps and pushes for more inclusive healthcare.
• Empowering women through education: By providing information on health issues specific to women, such as reproductive health, menopause and breast cancer, the day empowers women to make informed decisions about their bodies.

A few fitness tips for women

Now, let us take a look at some practical and research-backed fitness tips for women that can easily be included in your routine:

• Combine strength training with cardio like walking, cycling or dancing to support muscles, bones, metabolism and heart health.
• Begin with three moderate sessions per week and gradually increase intensity to avoid burnout.
• Include yoga, stretching or mobility drills to improve posture, flexibility and reduce the risk of injury.
• Listen to your body and adjust intensity according to energy levels during menstrual cycles, perimenopause or menopause.
• Track improvements in strength, energy, sleep and mood rather than focusing only on weight.
• Prioritise sleep, balanced nutrition, hydration and rest days to make exercise sustainable and effective.

Importance of buying health insurance for women

Health insurance policies are essential for women as they provide financial coverage for both routine healthcare and unexpected medical emergencies. The policy can cover doctor consultations, diagnostic tests, hospitalisation and surgeries. They also include women-focused benefits such as maternity care, reproductive health services and screenings for breast and cervical cancer.

Within that policy, you can choose a plan that suits your needs. For example, individual health insurance plans provide a dedicated sum insured just for you, making sure your needs are fully met. However, it is important to check the policy wording carefully to understand the scope of coverage.

Conclusion

Women’s Health and Fitness Day highlights the importance of taking preventive steps. Regular exercise, nutritious food and timely screenings lower the risk of chronic diseases and also improve energy and productivity in daily life. You should treat your health as a priority and build routines that support your personal goals and long-term well-being.

FAQs

• What are the best fitness tips for women?

  Simple habits like cardio, strength training and stretching can help improve overall health.
  
  

• Why is it important for women to stay healthy?

  Staying healthy helps women prevent illnesses, maintain energy for daily responsibilities and support long-term physical and mental well-being.

• When is Women’s Health and Fitness Day 2025?

  
  In 2025, Women’s Health and Fitness Day will be observed on September 24. The day serves as a reminder for women to focus on their health and encourages practical steps for staying active and well.

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.

Buying a house is a significant decision that goes beyond simply choosing the right location or design. While the excitement of owning a new home is undeniable, it is equally important to focus on the legal and administrative aspects. Ensuring that all property and legal documents are in order can prevent potential issues in the future.

This blog lists all the important documents needed to buy a house.

Why is it essential to check documents before buying a home?

Before buying a house, checking all property documents is important to confirm that the property truly belongs to the seller and that there are no hidden legal issues. Reviewing them carefully helps avoid future disputes, fraud or unexpected financial problems. It also ensures that the property meets all necessary approvals and government regulations. Taking the time to verify home documents gives you peace of mind and confidence that your investment is safe and legal.

Which documents should you check before buying a home?

Here is the list of documents needed to buy a house. Make sure to collect all these documents and get them verified by the concerned authority.

Agreement of sale

This is a house agreement contract that outlines the terms and conditions and proves that both parties are committed to completing the transaction under the specified terms before the final sale deed is executed.

Title deed

The title deed is a legal document that establishes who owns a property. It should clearly show the current owner and be free from any disputes or legal claims. For resale properties, ask for the “mother deed” that shows past ownership.

Sale deed

It is the official proof of the sale. It has details about the buyer, seller, property and payment. Registration within four months is required for it to be valid.

RERA registration certificate

A RERA (Real Estate Regulatory Authority) registration certificate is a unique number that buyers can check on the RERA website to ensure that a project is legitimate.

Khata certificate

A Khata certificate is an important municipal document that records key details of a property, such as its size, location and ownership.

Completion certificate (CC)

A completion certificate confirms that a building or project has been constructed according to approved plans and complies with all safety standards, building codes and regulatory requirements.

Occupancy certificate (OC)

An occupancy certificate confirms that the property is safe to live in and verifies that it is ready for habitation. This document is used to obtain home loans or secure approvals for renting or commercial use.

No Objection Certificates (NOCs)

A developer is required to secure NOCs from relevant authorities and departments before completing a project. A home buyer must receive a copy of these certificates and keep them safe for future reference.

Possession letter

A possession letter is an official document issued by the developer to the buyer, specifying the date when the property will be handed over.

Things to consider while verifying documents

Besides checking documents needed when buying a house, keep these points in mind to avoid future issues:

• Verify the authenticity of all papers to ensure they are original and properly stamped.
• Confirm the property boundaries and size match the documents.
• Check for any pending dues or unpaid taxes related to the property.
• Look out for any disputes or legal notices concerning the property.
• Make sure the property complies with local zoning and building regulations.

How can home insurance benefit you?

Home insurance protects your investment from disasters like fire, storms or theft. It covers repair or rebuilding costs and protects personal belongings such as furniture and appliances. In case someone is injured on your property or there is damage to a neighbour’s property, your insurance can help cover legal expenses. If you need to stay elsewhere while restorations are done, insurance can support your additional living costs too. Always check the policy wording carefully to understand what is covered and any exclusions that may apply.

Conclusion

It is important to check all the documents required for house purchase before buying a home to avoid future complications. This helps ensure the property is legally clear and meets all necessary rules. Make sure you have all the right papers ready before finalising the purchase.

Another important document you should have is your home insurance policy. It covers your financial losses due to damage or loss caused to your home, thus offering a complete safety net.

FAQs

1. What documents are needed to buy a house?

Usually, you need a title deed, a sale deed, RERA registration, building approvals, completion and occupancy certificates, an allotment letter and a possession letter. However, exact requirements can vary.

2. Is home insurance required when buying a property?

Home insurance is not mandatory when buying a house, but it is advisable to get it, as it provides financial coverage against various risks by covering your losses and damages.

3. What if I find legal issues in the property documents?

If you see any legal issues, the best step is to consult a lawyer or a property expert who can guide you by analysing your situation and provide solutions depending on the property and terms involved.

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

Digitisation has changed our approach to healthcare, and wearable technology has proved to be a game-changer. From fitness trackers to medical patches, wearable technology in healthcare has made it easier to capture, analyse and utilise data for quicker and more accurate diagnosis.

The market for wearable healthcare tech is expected to cross $69 billion by 2028. This shows the growing trust in wearables to deliver personalised health insights and support smarter wellness.

Insurers and healthcare providers have now started collecting data from these health monitoring devices to advise more personalised health plans.

Read on to understand the benefits of wearable devices and how to sync them with your health insurance app.

What are health wearables?

Health wearables are devices worn on the body that track a person’s health and fitness. These devices utilise sensors to measure various bodily functions, including heart rate, blood pressure and movement.

The following are some common types of health wearables:

• Fitness trackers
• Smart watches
• Blood pressure monitors
• Biosensors
• Clip-on devices
• Glasses and contacts
• Headsets
• Smart jewelry

Benefits of wearables in modern healthcare

Smart devices track heart rate, blood pressure, steps, calories, sleep patterns, stress levels and respiratory rate. Here are the key advantages of wearable devices in healthcare:

• Real-time monitoring allows people to check their health at any time.
• It becomes easier to catch health concerns early using real-time monitoring.
• Chronic diseases can be managed with data-backed treatment plans
• Health plans become personalised using data from these devices.
• They shift care from reactive to proactive, helping you manage health before issues arise.

How IL TakeCare integrates with wearables

The IL TakeCare app seamlessly integrates with your fitness tracker and sets personalised wellness goals. This way, your insurance provider can help you with personalised plans tailored specifically to meet your needs, making managing health and insurance simpler for users.

Here are some of its unique features.

• Face Scan to check key health vitals like heart rate, blood pressure and respiratory rate instantly.
• Fitness and wellness tracking through synced wearables to monitor steps, sleep, exercise and diet.
• Personalised wellness goals based on the data from your fitness tracker.
• 24/7 access to online doctor consultations and ambulance services.
• CalScan for scanning food items to understand their calorie content and make healthier choices.
• Join a fitness challenge, pick your favourite workout, track your progress in the app and stay motivated to reach your goals.

User experience & privacy

IL TakeCare puts user privacy and security at the forefront of its design. The app does not share personal data with any third parties without explicit user consent. All data is encrypted, guaranteeing it remains safe from any external threats. The app collects only essential health and fitness data needed to provide valuable services, without compromising your privacy.

The IL TakeCare app makes it easier to register policies, track health metrics and file claims. Users get quick access to policy details, can sync wearables for health tracking and enjoy 24/7 doctor consultations, all in one platform.

Conclusion

Wearables have transformed health tracking, making it easier to monitor vital signs, detect issues early and manage chronic conditions more effectively.

The IL TakeCare app complements this by allowing you to sync your devices and manage all your insurance policies on a single platform.

By combining technology, health and insurance, IL TakeCare empowers you to take control of your wellness and make conscious decisions for larger wellness.

FAQS

• Can I connect my fitness tracker with IL TakeCare?

Yes, the app supports syncing with the most popular wearables to track fitness and health metrics. For example, you can connect your smart watch or blood pressure monitor with the app.

• Does IL TakeCare share my health data with third parties?

No, it does not share personal data with other companies without your permission. It only collects data about your health to let you keep track of your fitness goals.

• How secure is my data on IL TakeCare?

Your data is encrypted, and you can request deletion at any time to keep control.

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.

Health insurance is no longer just about paying for medical or hospital bills. It is gradually transitioning from illness care to wellness care. It has become a tool for staying healthy every day. Many insurers have health insurance and wellness apps with fitness trackers that gather your health information like heart rate, sleep quality and daily activity. This helps insurance companies offer personalised plans and rewards for healthy living.

This blog discusses the importance of monitoring your health and how the IL TakeCare app seamlessly syncs with your fitness tracking goals.

Why health tracking matters?

Waiting for symptoms to appear and then taking action may be risky. This delay can escalate health problems, and treatments might cost more. Keeping track of essential health parameters helps you spot early symptoms. Wearable health tracking devices or apps can collect wellness metrics and create smart reports that warn of possible health issues. For example, noticing a slight rise in blood pressure early can help you make lifestyle changes to prevent hypertension-related problems. Even if you have chronic illnesses, regular monitoring of vital signs allows you to improve your health over time. This approach helps catch problems early and keeps you healthier in the long run.

IL Take Care wellness features

The IL Take care app has fitness tracking. Here are some of its unique features.

• A face scan to instantly check health vitals such as heart rate, blood pressure and respiratory rate.
• Tracking your sleep and daily steps to give an estimate of the active and total calories burned.
• CalScan checks the calories of your food and helps you make better dietary choices.
• Health quotient check using your body mass details, nutrition, hydration, lifestyle, mental wellness, medical history and health profile.
• Tele consultation (audio or video) with a general physician.
• Therapy session booking for mental well-being.
• Online chat with health experts to get advice on diet and nutrition, weight loss, fitness and stress management.
• Health assistance from medical experts.
• An Ayurveda hub that provides Ayurvedic recipes and remedies.
• A fitness challenge programme that offers rewards for staying active.

Benefits of the IL Take Care app

 Here are the advantages of the IL TakeCare app.

• Helps check health vitals
• 24/7 access to online doctor consultations
• Ambulance assistance
• You can locate the nearest hospital during emergencies
• Manage all your insurance policies, health, motor and travel, in one place
• Submit and track insurance claims quickly without paperwork
• Renew insurance policies easily through the app

Insurance & wellness – the perfect combo

With rising healthcare costs and increasing awareness, people seek insurance plans that do more than just cover medical expenses. They also expect support and motivation to stay healthy. Fitness tracking and wellness programmes embedded within health insurance apps encourage customers to adopt healthier habits. These are more than just perks. They help track your health and detect issues early, better manage chronic diseases and reduce costly hospital visits.

How to get started?

Follow the steps below to install and use the IL TakeCare App on your device.

1. Download the “IL TakeCare” from the Play Store or Apple Store.
2. Enter your mobile number to get an OTP.
3. Add in your basic details, like name and date of birth.
4. Then, generate a six-digit MPin to log in.
5. If you are an ICICI Lombard policyholder, add your policy details and manage your account and claims.
6. You can now use the app’s features.

Conclusion

The health insurance industry is evolving rapidly. Their focus is shifting from just covering your medical bills to promoting a healthier lifestyle. Insurers now provide insurance and wellness apps to keep customers involved. This helps policyholders manage their policies and health in one place. Health insurance apps like ILTakeCare are striving to become customers’ health partners, helping them live better and healthier.

FAQs

• Can I manage both my health and insurance policies in the IL TakeCare app?

Yes, you can. The app not only lets you track your fitness and health data but also allows you to manage all your ICICI Lombard insurance policies in one place.

• How does the IL TakeCare app track health?

The app uses various wellness features like Face Scan, CalScan, health quotient check, sleep and steps tracking, etc., to monitor health vitals.

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 idea that food does more than just fill your stomach is quite fascinating, and that is exactly what functional foods do. They go beyond providing basic nutrition to actively supporting your body. These foods strengthen your immunity, improve digestion and may even reduce the risk of chronic diseases. Functional foods are emerging as a powerful way to boost your well-being. Let us dive deeper into what makes them so special.

What are functional foods?

Functional foods are food items that not only contain essential nutrients but also have additional components like probiotics, antioxidants, phytochemicals or omega-3 fatty acids that can promote health and well-being. All these play a role in preventing disease, improving bodily functions and enhancing your overall well-being. Unlike ordinary foods that mainly provide energy, functional foods work at a deeper level by supporting immunity, regulating digestion and reducing inflammation. In short, they bridge the gap between nutrition and medicine.

What are the types of functional foods?

There are broadly two functional food categories: conventional and modified. Conventional functional foods are those that naturally contain health-promoting compounds. For instance, turmeric is valued for curcumin’s anti-inflammatory effect, garlic for allicin’s role in supporting heart health and curd and yoghurt for their probiotics.

On the other hand, modified functional foods are created by enriching or fortifying everyday items with additional nutrients. Examples include flour fortified with iron and folic acid, milk enhanced with vitamin D, probiotic drinks for gut health and cereals boosted with fibre and micronutrients.

What are the benefits of functional foods?

Including different types of functional foods in your diet can deliver multiple benefits, like —

• Boosts immunity: Spices like turmeric, tulsi and ginger are natural immunity boosters, whereas fermented foods such as kanji and curd strengthen gut microbiota. They improve the body’s defence system.
  
  
• Reduces risk of chronic diseases: Omega-3-rich foods like flaxseeds and walnuts can lower the risk of heart disease. Also, antioxidants in berries and amla help reduce oxidative stress.
  
  
• Supports digestive health: Probiotics in yoghurt help regulate bowel movements and fibre-rich foods such as oats aid in preventing constipation.
  
  
• Improves mental well-being: Bananas and dark chocolate contain compounds that lift mood, while omega-3 fatty acids have been shown to support mental well-being by lowering anxiety and depression.
  
  
• Helps in weight management: Fibre-rich foods help you stay full for longer and reduce overeating. Green tea is known to support fat metabolism.

Commonly used functional foods in the Indian diet

Indian kitchens are a treasure trove of functional foods, many of which have been consumed for centuries. They include:

Safety considerations to be taken for functional foods

Here is what you should keep in mind while consuming functional foods:

• Don’t use them as a substitute for medicine
• Read the labels of fortified packaged foods carefully, as they may contain added sugars, sodium or preservatives.
• Processing and long-term storage can reduce benefits
• Individuals with IBS, PCOS or thyroid issues should consult a nutritionist before dietary changes.
• Excessive intake of healthy foods can sometimes do more harm than good.

What are the wellness benefits of health insurance?

Just like functional foods focus beyond basic nutrition, modern health insurance policies are no longer limited to covering hospitalisation. Many plans now include wellness benefits that make healthy living more accessible. These may cover free or discounted health check-ups, gym memberships, fitness app subscriptions, reward points for maintaining healthy habits, OPD consultations and even e-consultations.

For anyone considering an individual health insurance plan, the wellness benefits add real value by supporting both financial security and everyday well-being.

Conclusion

Functional foods show that simple daily choices can have a lasting impact on your health. You can consider including both conventional and fortified food items to strengthen immunity, improve digestion and reduce long-term health risks. The real benefits of functional foods can be gained with consistency in their intake. This can add up to stronger resilience, more energy and better overall well-being in the long run.

FAQs

• Can functional foods help in preventing chronic diseases?

Yes, functional foods can help reduce the risk of chronic diseases by providing bioactive compounds that support heart health and immunity.

• Are functional foods suitable for everyone, including children and the elderly?

Functional foods are generally suitable for most people, but consumption should be adjusted for children, the elderly or those with specific health conditions.

• How are modified functional foods regulated or certified in India?

In India, modified functional foods are regulated by the Food Safety and Standards Authority of India (FSSAI) under specific guidelines for nutraceuticals and health supplements.

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.

Diaphoresis or cold sweat is a condition where a person sweat excessively without any usual triggers. While occasional sweating is normal, persistent or unexplained cold sweats may be a signal of an underlying health condition. Recognising the signs early and seeking timely medical advice can help manage potential risks effectively.

This blog will closely explore the meaning of diaphoresis, its triggers, diagnosis, treatment and preventive measures.

What is diaphoresis?

Diaphoresis, commonly known as cold sweat, is a sudden episode of excessive sweating that occur even without physical exertion or exposure to heat. Unlike regular sweating, this is often accompanied by a feeling of clamminess, paleness or chills. It is often a symptom rather than a condition itself.

From infections and low blood sugar to heart-related problems, various factors can trigger cold sweats. Since it may signal an underlying medical problem, persistent or unexplained diaphoresis should be evaluated by a healthcare professional.

Difference between cold sweat and regular sweating

Knowing the difference between cold sweats and regular sweating can help make an informed decision about managing them.

What causes cold sweats?

A variety of medical and physiological conditions can cause diaphoresis. Key cold sweat causes include:

• Health-related issues: Conditions like heart attacks or low blood pressure.
• Infections: Severe infections, such as influenza, pneumonia or sepsis.
• Low blood sugar (hypoglycemia): Rapid drops in blood sugar levels.
• Pain or injury: Sudden severe pain or trauma can activate the body’s stress response, resulting in cold sweats.
• Anxiety or stress: Intense fear, panic attacks or emotional stress.

How do doctors diagnose diaphoresis?

To diagnose diaphoresis, doctors focus on identifying the cause of excessive sweating. The process typically stars with a detailed evaluation of the patient’s medical history, covering the frequency, duration and triggers of sweating episodes. Moreover, a thorough physical examination is conducted, which includes checking vital signs and overall health. If necessary, laboratory or imaging tests may also be conducted.

Cold sweats treatment & management

Managing cold sweat symptoms involves getting timely treatment. It may help prevent complications and improve overall well-being.

• Medical treatment: Doctors may prescribe medications or therapies based on the root cause, such as antibiotics for infections or insulin for low blood sugar.
• Lifestyle adjustment: Maintaining proper hydration, balanced meals and avoiding extreme stress can help reduce episodes of cold sweats.
• Monitoring and follow-ups: Regular check-ups ensure that treatment is effective and promptly address any changes in symptoms.
• Emergency care: In cases linked to heart attacks or severe infections, immediate medical attention is critical to prevent serious outcomes.

How to prevent cold sweats?

To prevent excessive diaphoresis, it is critical to manage underlying health conditions and maintain overall well-being. By following some lifestyle practices, you can reduce the frequency of episodes.

• Maintain a balanced diet: Regular meals with adequate nutrients may help prevent blood sugar fluctuations that can trigger cold sweats.
• Stay hydrated: Drinking enough water throughout the day supports normal body function and reduces excessive sweating.
• Manage stress: Practices such as meditation, deep breathing and yoga can help control stress-induced sweating.
• Regular health check-up: Early detection of infections, heart problems or hormonal imbalances can prevent sudden cold sweats.

Benefits of health insurance in case of cold sweats

Having a health insurance policy can provide financial support and peace of mind if cold sweats indicate an underlying medical condition that requires expensive treatment. Its coverage can help with the costs of doctor consultations, diagnostic tests and hospital admission. Some insurers may also cover emergency treatment for serious conditions such as heart problems.

With the best individual health insurance, you can access timely medical care without worrying about the expenses.

Conclusion

Cold sweats may not be a normal bodily function, as they can sometimes be a sign of an underlying health issue. Recognising the symptoms early and seeking timely medical advice is essential for effective management of the condition. At the same time, maintaining a healthy lifestyle and monitoring triggers is equally important to help reduce episodes.

In addition, buying a reliable health insurance policy can bring you peace of mind for being financially covered for the costs associated with medical consultations, diagnostic tests and treatments needed in the case of diaphoresis or any other condition.

FAQ’s

• What causes cold sweats?

Cold sweats can result from heart issues, infections, low blood sugar, severe pain or intense stress. The underlying cause determines the severity and frequency of episodes.

• Are cold sweats dangerous?

They can be, especially if linked to heart problems, severe infections or other serious medical conditions. Prompt medical evaluation is recommended.

• How can I reduce leg and foot swelling caused by cold sweats?

Maintaining hydration, balanced nutrition, managing stress and addressing the root cause of diaphoresis can help minimise episodes.

• Can stress alone trigger cold sweats?

Intense anxiety, panic attacks or emotional stress can cause diaphoresis even in the absence of other medical issues.

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

Winter is a season of cold temperatures and dry air, which can trigger skin issues, including winter rash. While mild rashes may resolve on their own, persistent or severe cases require proper care and attention. Understanding the causes, symptoms, treatment and prevention tips can help protect your skin during the colder months.

In this blog, we will take a closer look at everything you must know about winter skin rash.

What is a winter rash?

A winter rash is a skin problem that commonly appears during the colder months, caused by a weakened skin barrier due to reduced moisture in the air and skin. When the skin’s outer layer loses moisture and becomes fragile, it may lead to itching, redness, flaking and irritation. While not usually a serious health concern, a winter rash can be uncomfortable and interfere with daily routines.

What causes winter rash?

The most common winter rash causes include:

• Cold air and indoor heating can reduce skin moisture. This makes it more prone to irritation and inflammation.
• Exposure to harsh soaps, detergents or synthetic fabrics during the winter season can trigger rashes in sensitive skin.
• Pre-existing conditions like eczema, psoriasis or rosacea may worsen during winter.
• Cold and damp conditions can promote the growth of fungi or bacteria. This can result in localised rashes.
• Long hot water exposure strips natural oils from the skin, worsening dryness.

What are the symptoms of winter skin rash?

Here are some common signs of a winter rash:

• Affected areas often appear red, swollen and sensitive.
• Persistent itching or a mild burning sensation.
• Skin may become dry, rough and cracked.
• Small bumps or fluid-filled blisters may develop.

Who is more likely to get a winter rash?

Certain individuals are more prone to developing winter skin rashes, including infants and young children, elderly people and those with sensitive skin. People with pre-existing conditions such as eczema, as well as individuals frequently exposed to cold or dry environments, are also at higher risk.

Winter rash treatment & remedies

Finding the proper winter rash treatment can help soothe irritation, reduce inflammation and restore skin moisture. Key ways include:

• Moisturising regularly: Applying thick, fragrance-free creams or ointments multiple times a day can help lock in moisture and prevent dryness.
• Topical medical creams: Using anti-itch creams can help manage inflammation and relieve itching.
• Cool compresses: Gently place a cool, damp cloth over the affected areas can help soothe irritation, calm redness and provide temporary relief from itching.
• Gentle cleansing: Washing the skin with mild, soap-free cleansers and lukewarm water can help prevent stripping away natural oils.
• Avoiding irritants: Stay clear of harsh soaps, detergents and synthetic fabrics as they may aggravate the rash. Wearing soft, breathable clothing can reduce friction and irritation.

How to prevent winter rash?

Preventing winter skin rash involves a few ways. The key ways include:

• Keep skin hydrated with creams or ointments.
• Cover exposed skin with soft, breathable layers.
• Avoid hot water to prevent dryness.
• Use mild, soap-free products.
• Drink enough water to maintain skin health.

Benefits of health insurance in case of winter rash

In case these rashes become severe or require specialist treatment, having a medical insurance policy can provide access to quality care without worrying about finances. Many insurance plans cover dermatologist consultations, prescription medications and follow-up visits to help you reduce out-of-pocket expenses. However, it is important to read policy wordings to understand the extent of coverage.

Conclusion

Winter rashes are common in cold, dry weather and can be managed effectively with proper skin care. You can prevent it by identifying the causes, recognising symptoms early and following the effective winter rash remedies.

However, in rare cases where this rash can be triggered by an underlying medical condition, it is important to be financially prepared. Buying individual health insurance or health insurance for a family can offer financial support for consultations, treatments and follow-ups.

FAQs

1. How can I treat a winter ash at home?

Applying moisturisers, using mild cleansers and avoiding hot showers may help relieve the symptoms.

2. When should I see a doctor for a winter rash?

If the rash becomes severe, painful or doesn’t improve with home remedies, consulting a dermatologist is recommended.

3. Is winter rash contagious?

These rashes are not contagious. It is usually caused by environmental factors like dry air and cold weather, and not by any infections.

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.

Dark circles under the eyes are a common concern that many people experience at some point in their lives. They may appear as mild discolouration or deeper shadows, often giving a face a tired or dull look. While not usually a serious health concern, dark circles can affect one’s overall appearance and confidence. Understanding the causes and the treatments available can help individuals address dark circles effectively.

What are dark circles under the eyes?

The darker pigmentation or shadow-like appearance that develops beneath the lower eyelids is referred to as dark circles under the eyes. Dark circles may appear dark brown, dark blue or purple, depending on skin tone and underlying causes. Although they do not usually indicate a serious medical problem, they can make a person look fatigued, stressed or older than they actually are.

Common causes of dark circles

Understanding what triggers dark circles can help you choose the right treatment for dark circles under the eyes or make lifestyle adjustments. The most common causes include:

• Lack of sleep: Insufficient rest can make the skin look dull and pale, making blood vessels more visible.
• Genetics: If dark circles run in your family, you may naturally be more prone to them regardless of lifestyle or skincare efforts.
• Ageing: As we grow older, the skin thins and loses collagen and fat, causing the under-eye area to look hollow and cast shadows.
• Allergies: Conditions like hay fever can cause frequent eye rubbing and nasal congestion. Both lead to increased pigmentation and puffiness under the eyes.
• Dehydration: Insufficient water intake can leave the skin under the eyes looking dull and sunken, making dark circles more pronounced.
• Sun exposure: Excessive sun exposure stimulates melanin production, which can darken the delicate skin under the eyes.

What is the best treatment for dark circles?

The right dark circles treatment depends on the underlying cause. Here are some of the most common options:

• Topical creams: Dermatologists may recommend creams containing the essential ingredients to help reduce pigmentation and boost collagen production.
• Chemical peels: Mild peels can lighten dark pigmentation around the eyes.
• Laser therapy: Advanced laser treatments can target excess pigmentation and stimulate collagen. They help make the under-eye skin appear brighter and firmer.
• Fillers: For dark circles caused by hollowing or volume loss, dermal fillers can help plump the under-eye area.
• Microneedling: By stimulating collagen production and enhancing skin texture, microneedling can reduce fine lines and pigmentation.
• Surgery (Blepharoplasty): In severe cases, cosmetic surgery may be suggested to remove excess fat or skin under the eyes.

What are the home remedies for dark circles?

Simple lifestyle changes and natural home remedies for dark circles can often help lighten dark circles. Applying chilled cucumber slices soothes the under-eye area, while using green or black tea bags, rich in caffeine and antioxidants, helps improve circulation and reduce puffiness.

Maintaining 7-8 hours of sleep, staying hydrated and consuming a balanced diet with iron and vitamins C and K support healthy skin. Additionally, aloe vera gel can moisturise and calm the delicate under-eye skin, gradually helping to lighten dark pigmentation.

How to prevent dark circles?

Here are some tips to prevent dark circles:

• Apply sunscreen every day and wear sunglasses to protect the under-eye area from UV damage.
• Get at least 7 hours of sleep each night to prevent fatigue-related dark circles and keep skin refreshed.
• Practice self-care, relaxation techniques or hobbies to manage stress effectively.
• Limit alcohol intake to prevent skin dehydration.
• Avoid smoking to preserve skin elasticity and reduce the appearance of dark circles.

Can health insurance help in case of dark circles?

In general, dark circle treatments are not covered under health insurance policies. However, certain treatments may be covered under some health insurance plans if they are considered medically necessary. It is always good to check the policy wording or consult with the insurer to understand the coverage options available for dermatological treatments. 

Conclusion

Dark circles under the eyes can be a result of genetics, lifestyle factors or underlying health conditions. Effective management involves identifying the causes and choosing appropriate treatment. If medical treatment becomes necessary, having an individual health insurance plan or similar coverage can help cover the associated costs, making it easier to access professional care. However, it is important to read the terms and conditions carefully to understand the extent of the coverage.

FAQs

1. What are some causes of dark circles?

Genetics, lack of sleep, ageing, allergies, dehydration or lifestyle factors are a few of the causes.

2. Can dark circles be treated at home?

In case of mild dark circles, some home remedies, such as cold compress, cucumber slices, tea bags, aloe vera and adequate sleep, can help.

3. Can dark circles indicate a health problem?

In some cases, dark circles may indicate allergies, anaemia or other medical conditions.

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

Urticaria, also known as hives, is a common skin condition that causes red, itchy bumps or welts on the skin. Many people experience it at least once in their lives. While it often resolves on its own, repeated or persistent flare-ups can significantly impact daily life, sleep and overall comfort.

Learning what triggers hives, why they occur and the treatment options available can help you manage symptoms effectively and regain control over your routine.

What is urticaria (hives)?

Urticaria, commonly known as hives, occurs when the immune system releases histamine in response to a trigger, causing blood vessels to leak and the skin to swell. If you are wondering what is hives, they present as red or skin-coloured bumps that can vary in size from small spots to larger patches.

Hives often appear suddenly and disappear within hours or a few days, but when they persist for weeks or longer, they are classified as chronic.

Who is at higher risk of getting hives?

While anyone can develop hives, certain groups are more prone to developing them. People with allergies to foods, pollen or pet dander, children with asthma or eczema and individuals with autoimmune conditions, such as thyroid disorders or lupus, are at a higher risk.

Women are more likely to experience chronic hives than men, and stress or anxiety can also trigger or worsen flare-ups.

What causes hives?

Hives occur when the immune system overreacts to a trigger, releasing histamine and causing the skin to swell. Common hives causes include foods such as shellfish, nuts, eggs and milk, as well as medications like antibiotics, aspirin and NSAIDs (non-steroidal anti-inflammatory drugs) and allergens like pollen, pet dander, insect stings and mould.

Environmental factors, such as heat, cold, sunlight or pressure on the skin, can also cause flare-ups. In some cases, no clear cause is identified and this condition is referred to as idiopathic urticaria, also known as idiopathic hives.

How are hives diagnosed?

Hives are typically diagnosed through a physical examination and a review of the patient's medical history. If the condition persists, doctors may recommend additional tests:

• Allergy tests: Skin-prick or blood tests to identify potential allergens.
• Blood and urine tests: To rule out infections or autoimmune conditions.
• Food challenges: Controlled exposure to suspected foods under the supervision of a medical professional.
• Skin biopsy: Rarely done, but may be used if conditions like vasculitis are suspected.

How can I prevent hives or reduce flare-ups?

Not all cases of hives can be prevented, but the following steps may help lower the risk:

• Avoid known triggers: Steer clear of foods, medicines or environments that are known to cause symptoms.
• Bathe and change clothes: Do this after exposure to pollen, dust or pets to reduce irritation.
• Wear loose and breathable clothing, as cotton fabrics minimise friction and pressure on the skin.
• Keep skin cool: Heat can exacerbate hives, so using cold compresses and taking lukewarm showers may help alleviate symptoms.
• Use gentle skincare products: Fragrance-free soaps and detergents are less likely to irritate the skin.
• Manage stress: Simple techniques, such as meditation or yoga, can help reduce stress-related flare-ups.

When should I see a doctor for hives?

Most cases of hives resolve within hours or days, but medical advice is necessary if symptoms persist or worsen. You should consult a doctor if hives last more than a week, recur frequently, cause severe itching that disrupts sleep or develop into red, swollen or pus-filled bumps that may lead to infection.

Immediate medical attention is required if there is swelling of the lips, eyes or face, or if you experience difficulty breathing, wheezing or other signs of anaphylaxis.

How can you use health insurance in case of urticaria?

Chronic urticaria may require frequent doctor visits, tests and ongoing medication, which can be costly. A health insurance policy helps cover these expenses, including consultations, diagnostic tests and treatment for hives.

It also provides financial protection in emergencies, such as severe allergic reactions requiring urgent care. Individual health insurance plans can be tailored to include outpatient visits, hospitalisation and long-term treatment, ensuring that recurring hives are managed without financial strain.

Conclusion

Hives can be uncomfortable, but they do not have to disrupt your life. By identifying triggers, adopting simple preventive measures and seeking timely medical care when necessary, you can effectively manage flare-ups.

For those with chronic or recurrent hives, having a suitable health insurance policy ensures that treatment and emergency care are accessible without financial stress.

FAQs

• What is urticaria?

Urticaria is a skin condition which causes red and itchy bumps or welts on the skin.

• What are the common causes?

Foods, medicines, stress, insect bites and temperature changes are common hives causes.

• What is the best hives treatment?

Antihistamines are the most common hives treatment, along with avoiding known triggers.

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.

Chronic Obstructive Pulmonary Disease, or COPD, is a long-term lung condition that makes it hard to breathe. It happens when the airways in the lungs become inflamed and narrowed, reducing the flow of air in and out. Many people with COPD do not even realise they have it, often thinking early signs like a persistent cough or shortness of breath are just part of getting older or the effects of smoking.

However, catching COPD in its early stages is critical because timely intervention can slow its progression, improve quality of life and reduce complications.

What is COPD?

COPD is a term for certain types of long-term lung conditions that cause airflow obstruction and make breathing difficult. The two main types of COPD are chronic bronchitis, a condition that causes airway irritation, constriction and mucus buildup, and emphysema, in which the lung’s air sacs are damaged, reducing their ability to exchange oxygen effectively.

Who is at risk of COPD?

Certain people are more likely to develop COPD due to lifestyle, environment or health factors:

• Smokers and ex-smokers: Around 85–90% of COPD cases are linked to cigarette use.
• Women: Recent studies show women are more vulnerable to lung damage from smoking than men.
• Older adults: Risk increases after age 65 due to accumulated lung damage.
• Occupational exposure: Individuals employed in settings with exposure to dust, chemical vapours or harmful fumes.
• Childhood infections: Severe respiratory infections early in life can weaken lung function.

What are the early COPD symptoms?

One of the dangers of COPD is that symptoms develop gradually, which often delays diagnosis. Early signs include a persistent cough with mucus, wheezing, shortness of breath during activity, frequent respiratory infections and unexplained fatigue. As the disease progresses, symptoms may worsen into chest tightness, weight loss, swelling in the legs and sudden flare-ups.

How is COPD diagnosed?

Doctors use a combination of medical history, physical exams and tests to diagnose the condition. Common methods include:

• Lung function test (spirometry): This measures how much air you can exhale and how quickly.
• Chest X-rays or CT scans: These identify lung changes and rule out other conditions.
• Pulse oximetry: This measures oxygen levels in the blood using a fingertip device.
• Arterial blood gas test: This assesses oxygen and carbon dioxide levels.
• Genetic testing: This is used for suspected Alpha-1 antitrypsin deficiency.

What are the main causes of COPD?

The leading cause of COPD is long-term smoking, but other factors also play a role. Prolonged exposure to secondhand smoke can harm nonsmokers, whereas air pollution, indoor cooking fumes and biomass fuel smoke increase risk in poorly ventilated areas.

Occupational hazards like dust and chemicals faced by miners, construction workers and factory workers further contribute. Genetics, particularly Alpha-1 antitrypsin deficiency, is another factor, although it is rare.

How can COPD be prevented?

COPD can be prevented mainly by reducing exposure to lung irritants. Quitting smoking is the most effective step. Avoiding exposure to secondhand smoke, harmful fumes and dust can also help reduce the risk. Vaccinations such as flu and pneumococcal shots help prevent infections that worsen COPD.

Maintaining good health through consistent exercise, nutritious eating and good hydration also supports lung health. Protective measures like wearing masks in high-risk environments can further reduce the chances of developing the disease.

Is COPD covered under health insurance?

COPD is typically covered under most health insurance policies. For instance, plans such as critical illness insurance often include coverage for COPD treatments, including hospitalisations, prescription medications and pulmonary rehabilitation programmes.

However, the extent of this coverage can vary depending on the specific plan, and insurers may impose waiting periods for pre-existing conditions before approving COPD-related claims. For this reason, it is essential to carefully review your policy wording to fully understand the scope of your coverage.

Conclusion

COPD can be challenging, but it is manageable with timely action. Recognising early warning signs, such as persistent cough or shortness of breath, is the first step toward effective care. Identifying these symptoms early enables prompt COPD treatment, which can slow disease progression. Alongside treatment, avoiding triggers like smoke and pollution and following medical guidance can ease the symptoms.

FAQs

1. What is COPD?
   

   COPD is a long-term lung disease that restricts airflow and makes breathing difficult.
   
   

2. What are the early COPD symptoms?
   

   The common symptoms of COPD include persistent cough, breathlessness, wheezing and frequent chest infections.
   
   

3. What are the main COPD causes and treatment options?
   

   The main causes are smoking, air pollution and workplace exposure to irritants. COPD treatment involves inhalers, medication and lifestyle changes to manage symptoms.

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