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.

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 ACL (Anterior Cruciate Ligament) tear is one of the most common knee injuries. It can make daily movements such as walking, climbing stairs or bending the knee difficult and painful. While often associated with sports, ACL injuries can also occur in everyday situations like sudden slips or twists.

This blog explains ACL tears, clears common myths, outlines recovery timelines, offers practical recovery tips and highlights how health insurance can help manage treatment costs.

What are ACL tears?

ACL tears happen when the anterior cruciate ligament, which stabilises the knee, is stretched or torn. This can occur due to sudden stops, twists or direct impacts. The injury may be a partial sprain or a complete tear, often causing pain, swelling and difficulty bearing weight.

Early diagnosis and appropriate medical treatment are important to restore knee stability and prevent long-term complications.

Myths about ACL tears & injuries

Several misconceptions exist about ACL injuries. Clarifying these can help in better management:

• Myth 1: Only athletes get ACL injuries

ACL tears can occur in everyday activities such as slipping, twisting the knee or sudden stops, not just in sports.

• Myth 2: Surgery is always required

Not all ACL injuries need surgery. Partial tears or less severe injuries can often be managed with physical therapy and rehabilitation.

• Myth 3: Recovery is always long and painful

Recovery can be smooth and manageable with structured rehabilitation and proper care.

• Myth 4: Sports cannot be resumed after an ACL injury

With complete recovery and guided training, many individuals return to sports safely.

What is the recovery time after ACL surgery?

The timeline for ACL operation recovery depends on the severity of the injury and the rehabilitation followed. Initial recovery, including reduced swelling and restored basic mobility, typically occurs within 6-8 weeks.

Full recovery, with regained strength, stability and readiness for sports or high-impact activities, usually takes 6-12 months. Structured physical therapy and guided exercises are essential to achieve optimal outcomes and prevent reinjury.

Recovery tips for after an ACL surgery

Proper post-surgery care is essential for restoring knee function and preventing complications. Key recommendations include:

• Follow the physiotherapy plan: Perform guided exercises consistently to strengthen the knee, improve flexibility and restore mobility.
• Rest and avoid overexertion: Allow tissues to heal by limiting high-impact activities in the early recovery phase.
• Use supportive devices: Crutches, knee braces or compression sleeves provide stability and reduce strain on the healing ligament.
• Manage pain and swelling: Apply ice, elevate the leg and take prescribed medication as needed.
• Maintain a healthy diet: Nutrient-rich foods support tissue repair and overall recovery.

Is ACL surgery covered under health insurance?

ACL surgery is often covered under many health insurance policies. Coverage may include hospitalisation, diagnostic tests, medications, surgeon fees and the ACL operation cost itself. The extent of coverage depends on the policy type, sum insured and specific inclusions or exclusions.

It is important to review the policy documents carefully or consult the insurer to understand coverage limits, waiting periods or any co-payment clauses. Individuals can choose from different plans within a policy, such as an individual health insurance plan, family floater, critical illness plan or senior citizen plan, depending on their medical needs.

Conclusion

ACL injuries can affect mobility and daily life, but timely diagnosis, appropriate treatment and a structured rehabilitation plan make full recovery achievable.

In addition, having a comprehensive medical insurance policy can provide financial support for surgery, hospitalisation and post-operative care. This allows the patient to focus on recovery without worrying about medical expenses.

FAQs

• What are the symptoms of ACL injury?

Common symptoms include a popping sound at the time of injury, intense knee pain, swelling, instability, difficulty bearing weight and reduced range of motion.

• What are the causes of an ACL injury?

ACL injuries can result from sudden stops, rapid changes in direction, twisting movements or direct impacts during sports or other physical activities.

• What is the cost of ACL surgery?

The cost of ACL injury varies based on hospital, surgeon and location. A reliable health insurance coverage can significantly reduce the out-of-pocket expenses.

• Are ACL injuries more common in men or women?

Women are at higher risk of ACL injuries due to anatomical and hormonal factors, especially in sports involving jumping, pivoting or sudden changes in direction.

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.

After a long day of standing or walking, you may notice puffiness and heaviness in your legs that make even simple tasks uncomfortable. Understanding what is leg swelling is important, because while occasional swelling is common, persistent or painful leg swelling can affect mobility, comfort and may signal underlying health issues such as heart, kidney or vein problems. Recognising early warning signs and knowing how to manage leg swelling can help you stay active and comfortable.

In this blog, we explore feet swelling causes, symptoms, treatments and preventive measures.

What causes leg swelling?

Leg swelling occurs when excess fluid builds up in the lower legs or feet. Common causes include:

• Prolonged standing or sitting: Blood circulation slows when you remain in one position for long periods, causing fluid to collect in the legs.
• Injury or trauma: Sprains, fractures or muscle strains trigger localised swelling as the body responds to protect and heal the affected area.
• Medical conditions: Heart, kidney or liver problems can cause fluid retention, often accompanied by other symptoms.
• Venous insufficiency: Weak veins in the legs fail to return blood to the heart efficiently, leading to persistent swelling.
• Medications: Certain drugs for blood pressure, diabetes or hormonal therapy can cause fluid accumulation in the legs.

What are the symptoms of leg swelling?

Leg swelling is often easy to notice and can present in several ways. The most common signs include visible puffiness in the feet, ankles or legs, which may make shoes or socks feel tight. The skin in the affected area can appear stretched, shiny or discoloured and may feel warm.

Swelling often causes aching, heaviness or throbbing sensations that worsen with prolonged standing or sitting.

In some cases, stiffness or difficulty walking occurs and pressing on the swollen area may leave a temporary indentation, known as pitting edema, indicating fluid retention.

Treatment options for leg swelling

Leg swelling can be managed through lifestyle measures or medical interventions depending on the cause. Elevating the legs above heart level for 20-30 minutes several times a day helps improve circulation and reduce fluid buildup. Wearing compression stockings applies gentle pressure to prevent swelling and ease discomfort.

For underlying conditions, doctors may prescribe medications to control fluid retention. After injuries, cold compresses and rest can reduce inflammation and speed recovery.

Chronic issues such as venous insufficiency, varicose veins or organ-related problems may require medical or surgical treatment.

How to prevent leg swelling?

Prevention plays a vital role in reducing the chances of leg swelling. Adopting healthy habits can improve circulation and keep your feet comfortable. Key ways include:

• Exercising regularly: Activities such as walking, cycling or swimming promote healthy blood flow and prevent fluid accumulation in the lower extremities.
• Changing positions frequently: Taking short breaks to stretch reduces pressure on the veins and lowers swelling risks.
• Limiting salt and eating potassium-rich foods: Foods like bananas and spinach help control fluid retention in the body.
• Resting with feet raised: Elevating your feet slightly supports circulation and prevents fluid pooling, especially after long workdays.
• Wearing comfortable shoes: Well-fitted shoes with proper cushioning reduce pressure on the feet and ankles.

How does health insurance help in case of leg swelling?

Health insurance provides financial protection and peace of mind during medical emergencies. A health insurance policy covers costs associated with doctor consultations, diagnostic tests, hospitalisation and surgeries, depending on the terms and conditions.

For managing leg swelling, you can choose a specific cover such as an individual health insurance plan, a critical illness plan or a senior citizens insurance plan within the policy. This ensures timely medical attention without worrying about costs, making it easier to address persistent or severe swelling effectively.

Conclusion

A swollen foot should not be overlooked, particularly when it is persistent, painful or accompanied by other health concerns. Understanding the symptoms, seeking timely treatment and adopting preventive measures can improve quality of life. In addition, securing a suitable policy, like individual health insurance, can bring you peace of mind while managing leg swelling effectively and safeguarding your overall well-being.

FAQs

• What are common causes of foot swelling?

Prolonged standing, injury, venous insufficiency, heart or kidney problems or side effects of certain medications can cause leg swelling.

• How can I reduce leg swelling at home?

Elevating your legs, wearing compression stockings, limited salt intake and staying active are a few of the simple ways to reduce leg swelling naturally.

• When should I see a doctor for foot swelling?

You must immediately seek medical attention in case the swelling is persistent, painful or connected to other serious symptoms such as chest pain.

• Can lifestyle changes prevent foot swelling?

Maintaining a healthy weight, exercising regularly and reducing salt intake can help minimise the risk of swelling.

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.

Prostate health is a crucial aspect of men’s well-being, yet often overlooked until problems arise. Conditions like enlargement, infections or cancer can develop silently, making early detection essential. A PSA test, a simple blood test, provides valuable insight into prostate health, helping identify issues before symptoms appear.

Understanding what is PSA test, how it’s performed and its benefits allows men to make informed decisions, take proactive steps and ensure timely medical care for better outcomes.

What is a PSA test?

A PSA (Prostate-Specific Antigen) test is a blood test that measures the level of PSA, a protein produced by the prostate gland. Elevated PSA levels can indicate prostate enlargement, inflammation or cancer.

The test is primarily used as a screening tool to detect potential issues early and guide timely medical intervention. It is commonly recommended for men over 50 as part of routine health check-ups.

Why is the PSA test done?

The PSA test is done to detect prostate problems early, often before symptoms appear. It can identify prostate enlargement, infections or cancer, allowing timely intervention. Doctors may also use it to monitor existing prostate conditions, track treatment effectiveness and observe changes in PSA levels over time.

How is the PSA test performed?

The PSA test is done through a simple blood draw, usually from a vein in the arm. The sample is sent to a laboratory, where PSA levels are measured. Once results are available, a doctor interprets them based on age, medical history and risk factors to determine if further investigation or treatment is needed.

What are the levels of PSA?

PSA levels vary with age and individual health factors. For most men, a PSA level below 4.0 ng/mL is considered normal, though laboratory standards may differ slightly. Higher PSA levels may indicate prostate enlargement, inflammation or other conditions that require medical evaluation.

Understanding what are PSA levels helps doctors determine if further testing or monitoring is needed.

Factors affecting PSA levels

PSA levels can be influenced by age, prostate size, certain medications, recent ejaculation or medical procedures. Doctors take these factors into account when interpreting results to ensure accuracy.

Benefits of doing a PSA test

Regular PSA testing offers several benefits:

• Early detection: Identifies prostate issues like enlargement, infection or cancer before symptoms appear, allowing timely treatment.
• Monitoring existing conditions: Tracks changes in diagnosed prostate conditions and evaluates treatment effectiveness.
• Peace of mind: Provides clear information about prostate health, reducing anxiety and supporting informed decisions.
• Supports preventive healthcare: Part of a proactive approach to men’s overall health alongside other screenings.

Does health insurance cover a PSA test?

Many health insurance policies cover preventive screenings, which often include PSA tests. Coverage may vary depending on the policy terms, the insurer and whether the test is done as a routine screening or for diagnostic purposes.

It is recommended to review your health insurance policy or consult your insurer to confirm whether the PSA test is included and any associated costs.

Conclusion

A PSA test is a valuable tool for monitoring prostate health. Early detection of conditions like enlargement, infection or cancer can significantly improve treatment outcomes and overall well-being.

Alongside regular PSA testing, being financially prepared is important. A critical illness insurance plan can help cover costs for PSA tests, consultations, treatments and hospitalisation, providing both health protection and financial peace of mind.

FAQs

• What is a normal PSA reading?

A normal PSA reading is below 4.0 ng/mL for most men. However, this can vary slightly based on age, laboratory standards and individual health factors.

• Can lifestyle factors influence PSA levels?

Factors like recent ejaculation, vigorous exercise or urinary tract infections can temporarily affect PSA readings.

• Does everyone need a PSA test?

Generally, a PSA test is recommended for men over 50 or those at higher risk. Consulting your doctor can help men determine when to get tested.

• How often should PSA tests be repeated?

The frequency of PSA test depends on age, risk factors and previous results. Some may be advised for annual tests, while others in every 2-3 years.

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

Carbohydrates, a major macronutrient, provide energy and are fundamental to overall nutrition. Consisting of carbon, hydrogen and oxygen, carbs are found in different foods such as grains, vegetables, dairy products and fruits.

It's important to eat foods with the right types of carbohydrates because some food types are better for your body than others.

Basics of carbohydrates

Carbohydrates are sugar molecules and one of the main nutrients in foods and drinks, alongside fats and proteins.

Most carbohydrates are broken down into glucose, he main energy source for the functioning of organs, cells and tissues (though fiber is not digested). Glucose can be used immediately in the body or stored in the liver and muscles as glycogen for later use.

Carbohydrates are classified into simple sugars (glucose and fructose) and complex carbohydrates (like starch and fibre).

Some common foods that contain carbohydrates include:

• Grains: Bread, pasta, rice, cereals, noodles and crackers.
• Vegetables: Pumpkin, spinach, cucumbers, broccoli, carrots, tomatoes and onions.
• Dairy Products: Milk and yoghurt.
• Legumes: Lentils, peas and dried beans.
• Snack and sweets: Cakes, cookies, candies and other desserts
• Fruits: Bananas, melons, oranges, mangoes, apples and berries.

Benefits of carbohydrates

Carbohydrates play a significant role in the human body. Carbohydrates affect blood sugar and insulin metabolism. Fiber, in particular, helps regulate blood sugar

Fibre, the non-digestible complex carbohydrate, encourages the healthy bacterial growth in the colon and acts as a bulking agent. This leads to regular bowel movement.

Besides, diets high in fibre may help prevent gastrointestinal issues, such as constipation and may also lower cholesterol and LDL levels, reducing heart disease risks.

8 must-know facts about carbohydrates

Some carbohydrate facts you must know:

1. Carbohydrates supply fuel in the body. During digestion, complex sugars break down into simple sugars. Glucose, which gets to the body cells through the bloodstream, is the main type of carb used for energy. This is why glucose is also known as blood sugar.
2. The main role of carbohydrates is to supply energy, while dietary fiber (a type of carbohydrate) supports digestive health.
3. According to the National Center for Biotechnology Information, adults should consume 45–65% (about 200 g to 300 g per day) of their total calories from carbohydrates. Younger children need a slightly higher proportion of carbohydrates in their diets for energy and growth.
4. The human body cannot produce complex carbohydrates like starch or fiber, though it can produce glucose from protein and fat via gluconeogenesis
5. Carbohydrates are further classified into simple carbohydrates and complex carbohydrates based on their molecular structure. Simple carbohydrates often increase blood sugar levels quickly, while complex carbohydrates take some time to digest, thus releasing glucose slowly.
6. There are both healthy and unhealthy sources of carbohydrates. Fresh fruits, vegetables, pulses, etc., are healthy sources, while soda, white bread, artificial sugar, pastries and other highly processed foods are considered unhealthy sources.
7. Humans should prioritise eating carbohydrates in their diet since they are responsible for important aspects of the human metabolic processes, oxidation of fats and breakdown of body protein.
8. Excess intake of simple carbohydrates may contribute to weight gain, since unused calories are stored as fat. Therefore, you should include many complex or good carbs in your diet, such as fruits and vegetables.

Examples of good and bad carbs

Here are some examples of good and bad carbs:

Good carbs

• Whole grains: Such foods include brown rice, oatmeal, whole-wheat bread and whole cornmeal.
• Foods with lots of fibre: Grains, seeds, vegetables, beans, peas, lentils, e.t.c.
• Naturally occurring sugars: Like those present in fresh fruits and milk.

Bad carbs

• Added sugars: Like those present in sweets, ice cream, cookies, candy bars, canned fruit, juice and soda. These foods tend to have many calories but less nutrition.
• Refined grains: These include white rice, bread, pasta, etc. Refined grains lose fiber and some nutrients during processing, but can still be part of a balanced diet if eaten in moderation.

Conclusion

Carbohydrates form a significant part of a healthy nutritional diet. However, you must consume a balanced diet that includes all the food groups, engage in physical activity, and opt for regular medical checkups. An appropriate individual health insurance policy can cover the cost of these consultations and provide essential support during health emergencies.

FAQs

• What happens when you restrict yourself from consuming carbohydrates?

Severe restriction of carbs can result in ketosis, where the body uses fat for energy because there are fewer carbohydrates in the diet. The same can cause side effects like headaches, brain fog and fatigue.

• Can I lose belly fat if I reduce carb intake?

Reducing refined carbs can help with belly fat loss, especially when combined with an overall calorie-controlled diet and exercise.

• What is the main thing carbohydrates do?

The main function of carbohydrates is to provide energy to the body.

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.

Puffed rice, also known as murmura, is a light and airy grain made by heating rice under high pressure until it expands and pops. The making process gives it a crispy texture while keeping it low in calories and easy to digest. Its mild flavour makes it a popular base for snacks like bhel, puffed rice laddoos and savoury mixtures. Murmura also carries several health benefits along with a few side effects that are worth knowing.

Benefits of murmura

Puffed rice is more than just a light snack. It provides several health benefits that support digestion, immunity, heart health and overall wellness. Some of the main health benefits of puffed rice are as follows:

• Relieves constipation: Puffed rice is rich in dietary fibre, which supports smooth digestion and helps prevent constipation. It reduces excess mucus and fat in the stool and promotes easier bowel movements.
• Promotes digestion: Murmura is light and easy to digest. It stimulates digestive juices, improves the breakdown of food and supports better nutrient absorption. It may also help reduce issues such as bloating, gas and heartburn.
• Boosts immunity: Puffed rice is loaded with minerals, antioxidants and essential nutrients that support the immune system. Consuming it regularly may lower the risk of infections, such as common colds, sore throats and stomach problems.
• Regulates blood pressure: Murmura also has a naturally low sodium content, which helps maintain healthy blood pressure levels. Including it in the diet can lower the risk of cardiovascular conditions, such as heart attack and stroke.
• Supports weight loss: Puffed rice is low in calories and easy to include in a weight management plan. It provides satiety, helps control hunger pangs and prevents overeating.
• Strengthens bones: The presence of calcium, iron and vitamin D in murmura contributes to stronger bones and teeth. Regular intake can support bone density and reduce the risk of fractures.

Is it okay to eat puffed rice every day?

Puffed rice can be eaten daily if it is consumed in moderation and paired with other nutrient-rich foods. As a carbohydrate-rich grain, it provides quick energy and is often considered suitable as a pre- or post-workout snack. Its low-calorie content also makes it a healthier alternative to fried snacks and it aids in weight management when incorporated into a balanced diet.

Daily consumption may also support digestion, as murmura is gentle on the stomach and helps prevent bloating or heaviness after meals. However, relying on puffed rice alone is not advisable because it lacks sufficient protein, fibre and healthy fats. You should combine it with foods like sprouts, nuts, fruits or yoghurt to make it more nutritious.

Murmura side effects

While the benefits of puffed rice are many, overconsumption or improper use can have certain drawbacks. The common puffed rice side effects include:

• High glycaemic index: Puffed rice digests quickly and can cause quick spikes in blood sugar levels. This makes it unsuitable for people with diabetes or those who need to maintain stable glucose levels.
• Low in nutrients: Puffed rice is light and tasty, but it is not a nutrient-dense food. Depending on it as a main food source may result in deficiencies in necessary vitamins and minerals over time.
• Weight gain risk: Consuming puffed rice in excess, especially without combining it with protein or fibre, may lead to overeating and weight gain.
• Commercial additives: Packaged varieties of puffed rice may contain added sugar, salt or flavouring agents. This could increase the risk of high blood pressure, obesity and other health issues.

Who should not eat puffed rice?

Although murmura suits most people, there are specific groups who should be cautious, like:

• People with diabetes: Puffed rice has a high glycaemic index. This can cause sudden spikes in blood sugar and make it unsuitable for diabetic individuals.
• Individuals trying to lose weight aggressively: Murmura is low in protein and fibre. It does not provide lasting satiety and may lead to frequent hunger.
• People with gluten sensitivity or contamination concerns: In some cases, puffed rice may carry traces of gluten depending on how it is processed.
• Infants and young children: Puffed rice may also lack essential nutrients required for growth and, in rare cases, may contain traces of arsenic.

Conclusion

Puffed rice is a humble yet powerful snack that supports digestion, heart health and weight management. At the same time, being mindful of its side effects. The best approach is to include it in a balanced diet paired with proteins and fibre.

It is also wise to have a reliable individual health insurance policy. It will cover medical and surgical expenses during medical emergencies.

FAQs

1. What are the main benefits of puffed rice?
   Puffed rice supports digestion, provides quick energy and helps with weight management.
2. What are the common puffed rice side effects?
   Puffed rice can cause blood sugar spikes, nutrient deficiencies and weight gain if eaten in excess.
3. What are the health benefits of puffed rice for women?
   The main health benefits of puffed rice include better heart health, improved metabolism and stronger bones.
4. What are some murmura benefits that most people might not be aware of?
   Murmura is light, low in calories and easy to digest. This makes it suitable for daily snacking.

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 spine is the body’s anchor, and meeting developmental milestones in early childhood is key to spotting deformities or lifestyle-related issues that may have long-term consequences. As children grow, parents naturally notice various changes in their bodies. While most are normal, some changes, especially in posture, may signal a condition called kyphosis.

Kyphosis occurs when the spine develops an abnormal curvature, often leading to a rounded or hunched back. In certain cases, this issue may be present from birth, a condition known as congenital kyphosis.

In this guide, we’ll cover what congenital kyphosis is, its symptoms, and treatment options.

What is spinal deformity?

The human spine comprises natural curves that help maintain balance and flexibility. However, when these curves become misaligned, it can lead to spinal deformities. These deformities can be congenital (present at birth), developmental (emerging during growth), or caused by ageing, poor posture, injury or disease.

What are the types of spine deformity?

Spine deformities can vary in type and severity, often leading to discomfort or health complications. Understanding the main types helps in early detection, effective management and proper treatment planning.

The three most common types of spinal deformities are:

• Scoliosis: A sideways curving of the spine, often forming an “S” or “C” shape.
• Kyphosis: An abnormal forward rounding of the upper back, creating a hunched appearance.
• Lordosis: An inward curvature in the lower back, sometimes called “swayback.”

What are the common symptoms of congenital kyphosis?

The primary symptoms of congenital kyphosis are as follows:

• Rounded shoulders and a visible ‘humpback’ appearance
• Stiffness in the spine with limited movement
• Tight hamstrings
• Constant pain in the back
• Muscle fatigue and weakness

If congenital kyphosis is untreated, it can escalate and present the following symptoms:

• Spinal cord compression, leading to loss of sensation in the lower body and/or poor bladder control
• Cardiac issues, including shortness of breath, chest pain and even pulmonary failure

Congenital kyphosis causes

Some causes of congenital kyphosis include:

• Failure of formation: One or more vertebrae do not develop fully.
• Failure of segmentation: Two or more vertebrae remain fused together instead of separating.
• A combination of both defects: This usually leads to more severe deformities.

How is congenital kyphosis diagnosed?

Early diagnosis can greatly aid treatment and lifestyle planning. Here are some typical medical tests that are used to diagnose congenital kyphosis:

• Physical examination: The doctor assesses posture, spine curvature and flexibility.
• X-rays: Used to determine the degree and severity of the spinal curvature.
• MRI or CT scans: Provide detailed images to identify vertebral abnormalities.
• Neurological tests: Specialists check for signs of nerve compression, weakness or impaired function.

How is congenital kyphosis treated?

Congenital kyphosis can be managed with medical intervention. Here’s what typical treatment looks like:

• Observation and monitoring: For mild curves, doctors may recommend regular check-ups and periodic X-rays to track progression.
• Surgery: Often advised in moderate to severe cases. Options include spinal fusion, instrumented fusion (using rods, screws or plates), and hemivertebral resection to correct abnormal vertebrae.
• Physiotherapy: Supports recovery after surgery by improving mobility, flexibility, posture and strength.
• Lifestyle and Supportive Care: Patients with congenital kyphosis are typically recommended regular exercise, posture correction, pain management and consistent follow-ups with specialists.

Conclusion

With the right supportive care, conditions like kyphosis can often be managed and, in some cases, corrected. When children begin to show signs of spinal deformity, it’s important for parents to consult specialists and establish long-term care plans that protect their child’s quality of life.

A critical illness health insurance plan can provide essential financial support for the typically long-term treatments, therapies and specialist care associated with managing congenital conditions. This ensures that patients receive the best possible outcome without added financial stress.

FAQs

• How does congenital kyphosis differ from other spinal deformities?

Unlike scoliosis or lordosis, congenital kyphosis mainly affects the upper back, creating a rounded posture.

• What signs should parents look for in children with congenital kyphosis?

Parents may notice a visible hump, rounded shoulders, stiffness in the back or difficulty with flexibility and movement.

• How is congenital kyphosis diagnosed?

Doctors rely on a mix of physical exams, X-rays and scans like MRI or CT to assess spinal shape and severity.

• What treatment options are available for congenital kyphosis?

Treatment depends on severity, ranging from regular monitoring for mild cases to surgery for more advanced curves. Physiotherapy and lifestyle changes often support long-term care.

• Can congenital kyphosis be prevented or corrected fully?

Since it occurs during fetal development, congenital kyphosis cannot be prevented. However, early diagnosis and proper treatment can manage symptoms, prevent complications and in some cases, improve spinal alignment.

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.