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

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

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

Features of Pradhan Mantri Jeevan Jyoti Bima Yojana

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

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

Benefits of PMJJBY policy

Here are some benefits PMJJBY policy offers:

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

What are the Pradhan Mantri Jeevan Jyoti Bima Yojana details?

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

Eligibility criteria under PMJJBY scheme

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

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

How to check PMJJBY Policy status online?

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

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

How to download PMJJBY certificate online?

Downloading the PMJJBY certificate is easy. Follow these steps:

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

Conclusion

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

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

FAQs

• What is the age limit for PMJJBY?

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

• How much insurance cover does PMJJBY give?

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

• Can I join PMJJBY without a bank account?

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

• Is any medical test needed to join PMJJBY?

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

• How can I claim the PMJJBY insurance?

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

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

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

List of new health insurance guidelines by IRDAI

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

1. Health insurance plans for all age groups

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

2. Pre-existing disease waiting period reduction

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

3. Cashless claim settlement

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

4. The moratorium period has been reduced

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

5. Ayush coverage

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

6. Customised plans for specialised groups

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

7. Specific disease waiting period adjustment

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

8. Inclusivity for severe medical conditions

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

9.Model products for vulnerable groups

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

10. Allowance for multiple claims across insurers

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

Conclusion

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

FAQs

• Who can buy health insurance now?

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

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

The waiting period is now a maximum of three years.

• Can I get cashless treatment?

Yes, you can get cashless treatment at network hospitals.

• Are AYUSH treatments fully covered?

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

• Can people with serious diseases get insurance?

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

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

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

What are deductibles in health insurance?

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

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

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

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

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

Features of high deductible health insurance plans

Key features of high deductible health insurance plans:

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

What is low-deductible health insurance?

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

Features of low deductible health insurance plans

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

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

High vs low deductible health insurance: Key difference

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

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

The decision depends on two main factors:

1. Your healthcare needs
2. Your budget

• Choose a high deductible plan if:

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

• Choose a low deductible plan if:

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

Conclusion

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

FAQs

• Who should choose a high deductible plan?

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

• Are low deductible plans better for families?

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

• Does every health plan have a deductible?

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

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

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

What is a life insurance policy?

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

What are the types of life insurance policies?

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

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

What is a health insurance policy?

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

What are the types of health insurance policies?

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

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

How does a life insurance policy work?

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

How does a health insurance plan work?

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

What is the difference between health insurance and life insurance?

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

Health vs life insurance: Which one should you choose?

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

Conclusion

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

FAQs

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

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

• How do benefits differ between health vs life insurance?

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

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

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

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

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

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

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

What is term insurance?

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

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

What are the types of term insurance policies?

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

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

What is a health insurance plan?

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

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

What are the types of health insurance plans?

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

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

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

What is the difference between health insurance and term insurance?

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

Health vs term insurance: Which one should you choose?

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

Conclusion

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

FAQs

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

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

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

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

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

What is individual health insurance?

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

What is family floater health insurance?

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

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

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

What are the benefits of family floater health insurance plan?

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

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

What are the benefits of an individual health insurance plan?

The benefits of an individual health insurance plan include:

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

Individual vs family floater health insurance: Which is better?

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

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

Conclusion

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

FAQs

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

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

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

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

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

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

What is IL Take Care app?

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

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

Features of ILTC health insurance app

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

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

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

Benefits of ILTC health insurance app

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

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

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

How does the ILTC medical insurance app work?

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

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

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

How to download the ILTC health insurance app?

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

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

How to renew health insurance with ILTC app?

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

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

Conclusion

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

FAQs

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

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

• How secure is the iltakecare login process?

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

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

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

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

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

What is World Lung Cancer Day?

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

World Lung Cancer Day history

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

World Lung Cancer Day significance

World Lung Cancer Day plays a critical role in:

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

Measures to prevent lung cancer

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

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

Role of community and support systems

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

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

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

Conclusion

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

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

FAQs

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

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

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

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

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

What is World Polio Day?

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

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

World Polio Day history

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

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

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

World Polio Day significance

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

Why celebrate World Polio Day?

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

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

Measures to prevent polio

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

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

Role of community and support systems

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

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

Conclusion

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

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

FAQs

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

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

Last updated on: 4 Jul 2025

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

What are love handles?

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

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

Do love handles pose risks?

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

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

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

Exercises for reducing love handles

Here are some of the most effective exercises:

• Russian twist

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

• Bicycle crunches

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

• Side planks

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

• Standing side crunches

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

• Woodchoppers

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

Diet tips to reduce love handle fat

Here are some simple but effective dietary changes:

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

Conclusion

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

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

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

Bangaluru is renowned for its IT hubs, beautiful weather and a mix of tradition and modern living. It's no surprise that many people move here. But like most big cities, Bengaluru has its own challenges. Healthcare costs are one of them. Even though the city has some of the best hospitals and medical facilities, the expenses are really high. That’s why having good health insurance in Bangalore is not just useful, but necessary.

Why do you need health insurance in Bengaluru?

While living in Bengaluru, you’ll face certain health-related challenges:

• Medical care is expensive: A health insurance policy helps manage high costs from doctor visits, tests or hospital stays.
• Lifestyle issues: Long work hours, traffic stress and pollution can affect your health over time. Which results in heart disease, diabetes or other chronic disorders.
• Sudden medical emergencies: Accidents and health problems often come without warning. Having insurance makes it easier to deal with such situations.
• A major health problem is that almost 50% of people in Bengaluru have diabetes, obesity, hypertension, dengue and mental illness as per a study conducted by Bruhat Bengaluru Mahanagara Palike (BBMP).

These numbers highlight the increasing health risks in the city, making a robust health insurance policy an important choice.

Benefits of health insurance in Bengaluru

Here are some of the key benefits to look for:

Types of health coverage in Bengaluru

Health insurance in Bangalore is designed to meet different needs. Here are the main types:

• Individual Health Insurance: This plan provides medical coverage for a single individual. It includes hospital expenses, doctor fees and more.
• Family Floater Plans: One single policy that covers all family members, usually including spouse, children and sometimes parents.
• Critical Illness Insurance: Designed for serious illnesses like cancer, stroke or organ failure. It pays a lump sum amount to help with high treatment costs.
• Top-Up & Super Top-Up Plans: These plans add extra protection to your existing health policy. You can include features like room rent waiver, OPD expenses or accidental coverage.
• Senior Citizen Health Insurance: Aimed at older adults, these plans cover age-related medical needs and often include regular health check-ups and hospitalisation benefits.

How to buy/renew health insurance in Bengaluru?

Health insurance in Bengaluru is easy to buy and renew, and can be done online or offline:

1. Compare plans: You need to visit trusted insurance websites to compare their features and prices.
2. Select a policy: Choose the one that fits your needs, whether it's individual, family floater or critical illness insurance.
3. Fill in the details: Enter your personal information and medical history accurately.
4. Make payment: Pay the premium online through UPI, net banking or a card.
5. Policy issued: Once approved, you’ll receive your policy via email. No paperwork needed.

A grace period is extra time (usually 15-30 days) given after your health insurance policy expires, allowing you to renew it without losing benefits.

How to make a health insurance claim in Bengaluru?

Here are a few ways to make a health insurance claim:

• Cashless Claim

• Go to a network hospital listed by your insurer.
• Show your health card and submit the pre-authorisation form.
• The insurance provider directly covers the treatment expenses with the hospital.

• Compensation Claim

• Get treated at any hospital of your choice.
• Pay the bills and collect all original documents.
• Submit them to your insurer within the given time.
• You'll receive the claim payout directly into your bank account from the insurance provider.

Conclusion

Living in Bengaluru offers a high quality of life, with access to top-notch infrastructure, healthcare and modern amenities. However, this quality comes at a cost, especially when it comes to medical care. With rising healthcare expenses and increasing lifestyle-related health risks, choosing the right health insurance plan is not just a smart decision but a necessary one. A well-chosen policy ensures you're financially protected during medical emergencies and gives you peace of mind in a fast-paced city life.

FAQs

• Can I buy health insurance online in Bengaluru?

Yes, most health insurance offers online purchase with instant policy issuance.

• Do all hospitals in Bengaluru accept cashless claims?

Only if they are part of your insurer’s network. You should always check the list before admission.

• Can senior citizens get health insurance in Bengaluru?

Yes, many companies offer senior citizen health insurance with benefits fitted for older adults.

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

Mumbai’s fast-paced lifestyle, long commutes, unpredictable weather and constant stress can take a toll. In a place where time is always running and medical costs can rise just as fast, having the right health insurance is a necessity.

With a wide range of plans available, choosing the right health insurance in Mumbai can make all the difference to your peace of mind and long-term well-being.

Why do you need health insurance in Mumbai?

Key reasons why health insurance is a must-have for Mumbai residents include:

1. High lifestyle disease rates: Mumbai’s fast-paced urban lifestyle often comes with long working hours, irregular eating habits, limited physical activity and high stress levels. Over time, this leads to a growing number of lifestyle-related illnesses such as diabetes, hypertension, heart disease and obesity.
2. Vector-borne diseases: Frequent floods and stagnant water make dengue and malaria common. While some cases are mild, severe infections can lead to hospitalisation or even require ICU care.
3. Rising cost of healthcare: A 2023 report revealed that healthcare expenses in India have doubled over the last five years. Mumbai is among the most expensive cities in India when it comes to medical treatment. Health insurance helps cushion these costs, ensuring you get quality care without draining your savings.
4. Unexpected emergencies: Accidents and sudden illnesses can occur at any time. With the high cost of living in Mumbai, managing out-of-pocket costs during an emergency can be challenging.

Benefits of health insurance in Mumbai

Here are the key advantages of health insurance in Mumbai:

Types of health coverage in Mumbai

The types of health coverage available in Mumbai are:

• Individual health insurance plan: Ideal for people who want personal coverage. The premium depends on age and gender.
• Family health insurance plan: Perfect for families, this plan covers everyone under a single policy. This plan is affordable, offers good coverage and its benefits are comparable to the best health insurance policies.
• Senior citizen health insurance: Designed for individuals above 60, it covers pre-existing illnesses and regular medical treatments, making it a suitable option for elderly parents.
• Critical illness insurance: This coverage protects against serious conditions, such as cancer or heart disease and provides a lump sum payout.

How to buy/renew health insurance in Mumbai?

Simple steps to purchase the health insurance policy:

1. Visit a trusted health insurance website and navigate to the ‘Health’ option.
2. Select who you want to include in the plan: yourself, spouse, kids, or parents.
3. Click on ‘Get Plan’ and enter your birthdate, mobile number, email and pincode.
4. Analyse the plans, add-ons and terms and conditions carefully.
5. You’ll see the premium amount. If everything appears satisfactory, proceed with the payment.
6. Your policy document will be sent to your registered email.

Now, if you want to renew your health insurance:

1. Go to the official health insurance website and navigate to the ‘Renew’ option.
2. Enter your policy number and other details.
3. Review your current plan and add any extra covers if needed.
4. Proceed to payment.

How to make a health insurance claim in Mumbai?

Here’s how you can make a health insurance claim in Mumbai:

1. Cashless Claim:

• Visit a hospital that is covered under the insurer’s network of hospitals.
• Inform the insurance desk and provide all necessary information and documents.
• The hospital fills out the form and forwards it to the insurer. The insurer must provide approval.
• Once treatment is done, the insurer will directly settle bills with the hospital as per your health insurance policy

1. Reimbursement Claim:

• Get treated at any hospital and pay upfront.
• Collect all medical bills and receipts.
• Initiate a reimbursement claim online.
• Upload or submit these documents.
• After verification, the insurer will refund the amount covered by your medical insurance in Mumbai.
• You can also visit the insurer's branch or call the helpline.

Conclusion

Life in Mumbai can be uncertain, but your health insurance plan shouldn’t be. With the best health insurance policy in Mumbai, you can stay prepared for emergencies and make sure you and your loved ones are always protected.

FAQs

• What is the correct age to buy medical insurance in Mumbai?

The moment you start earning a regular income, consider getting health insurance. Getting medical insurance early can save you money.

• What type of health insurance is best for families in Mumbai?

A family health insurance plan is ideal for Mumbaikars. It covers all members under one policy, offers affordable premiums and provides access to cashless treatment, making it a smart and budget-friendly choice for households in the city.

• How to select appropriate health insurance in Mumbai?

Choose a plan with adequate coverage, a strong network of hospitals and easy claim procedures. Consider your age, health needs and family size before selecting.

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

Probiotics have gained immense attention, especially among those who are striving to improve their gut health. These live bacteria help keep our digestive system balanced and support immune function. While they can be a great addition to your diet, probiotics are not for everyone. Some individuals might experience probiotics side effects or have difficulty tolerating them, depending on their specific health conditions. That's why it is important to understand how they work and whether they are right for you. Let’s explore this in more detail.

What are probiotics?

We naturally host trillions of microbes in our gut. While some can cause illness, many are beneficial. Probiotics help keep harmful microbes under control, support digestion and play a role in immunity and nutrient absorption.

When the balance of good and bad bacteria gets disrupted through a condition known as dysbiosis, it can result in issues like constipation, weakened immunity, bloating and even mood swings. Probiotics can help restore that balance.

There are different types of probiotics, and the most common ones include:

• Lactobacillus: It is found in yoghurt and fermented foods and can help with digestion and may reduce diarrhoea.
• Bifidobacterium: This is found in dairy products and can help ease irritable bowel syndrome (IBS) symptoms.
• Saccharomyces boulardii: It is a yeast-based probiotic useful in treating diarrhoea caused by antibiotics.

These beneficial microbes are available as dietary supplements, fermented foods and topical applications. However, you should keep in mind that not all probiotics are the same. Different strains serve different purposes, so it is crucial to choose the right one based on your health needs.

List of foods rich in probiotics

Here are some of the best probiotic foods:

1. Curd: Curd, especially the homemade kind, is one of the richest sources of probiotics. It contains over 250 strains of Lactobacillus, which aid digestion and help regulate bowel movements.
2. Buttermilk: Traditional Indian buttermilk contains live cultures and lactic acid bacteria that promote the health of your gut.
3. Paneer: Fermented paneer can be a good probiotic and high-protein food.
4. Idlis and dosas: These are made from fermented rice and lentils and are staples in South Indian cuisine. They are light on the stomach and help promote gut-friendly bacteria.
5. Fermented pickles: Naturally fermented pickles made without vinegar are loaded with probiotics that support our digestive health.
6. Beetroot: Fermented beetroot juice improves digestion and is suitable for lactose-intolerant people.
7. Whole wheat bread: Some whole wheat breads contain fermented fibres that act as food for good bacteria.
8. Apples: These are rich in fibre and polyphenols. They help feed the good bacteria in your gut and promote regular bowel movements.
9. Green peas: These are a rare plant-based probiotic. Just one serving can provide your daily probiotic needs.
10. Kefir: This fermented milk drink contains over 60 strains of bacteria and yeast. It helps with metabolism, immunity and digestion.

Probiotics side effects

Probiotics are generally considered safe. However, they can cause side effects in some people, especially when introduced suddenly. The most common side effects of probiotics are:

1. Digestive changes: In the first few weeks, temporary bloating, gas, diarrhoea or constipation may occur. These symptoms usually subside as the body adjusts.
2. Thirst and constipation: Some yeast-based probiotics can cause increased thirst and constipation.
3. Headaches: Certain fermented foods, such as sauerkraut, yoghurt and kimchi, contain amines, like histamine, which may trigger headaches in sensitive individuals.
4. Histamine intolerance: Some probiotic strains, such as Lactobacillus buchneri, L. helveticus and L. hilgardii, may raise histamine levels in the gut. This can cause allergy-like symptoms, like rashes, itchy eyes or nasal congestion.
5. Allergic reactions: Probiotics may contain common allergens like dairy, egg, soy or yeast. Always check labels if you have any food allergies or intolerances.
6. Issues with synbiotics: Some probiotic supplements also include prebiotics like inulin and lactulose. These fibres can cause gas and bloating in some individuals, especially when taken in large amounts.

Who should not take probiotics?

Probiotics are beneficial for most. However, they may also pose risks for certain people. They include:

• People who have weakened immune systems as a result of chemotherapy, HIV/AIDS or immunosuppressant drugs.
• Premature infants or newborns with low immunity.
• Post-surgical patients, especially those with central venous catheters.
• People with histamine intolerance, as some strains may aggravate symptoms.
• Those with severe allergies to dairy, soy or yeast.
• People with acute pancreatitis. Research suggests an increased risk of mortality when probiotics are used.

Conclusion

Probiotics are a powerful way to support your gut, boost immunity and aid digestion, but only when used responsibly. You can include them in your diet through curd, kefir, idlis, dosas and other foods rich in probiotics.

Looking after your gut is a great step towards better health, but don’t forget the bigger picture. Investing in a reliable individual health insurance plan or critical illness insurance can offer you peace of mind for life’s unexpected turns. A solid health insurance policy not only helps cover the cost of medical treatments but also ensures you have access to timely care and support when you need it most.

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.

Prawns are among the most popular seafood choices across the world. Their delicious taste and tender meat make them a culinary favourite in many cuisines. But this seafood has more than just its flavour and taste. Prawn is often called a superfood because of its rich source of nutrients. From being rich in protein to essential vitamins, they are worth adding to your diet.

Although prawns are a healthy addition to any diet, they are not always suitable for all. There are a few side effects that have been linked to its consumption, especially when not cooked properly. Let’s look at the health benefits of prawns and their side effects in this guide.

Health benefits of prawns

Prawns are rich in nutrients and low in calories, which makes them a nutrition-packed food choice. They offer proteins, essential vitamins and minerals without any supplements. Except for a few disadvantages of eating prawns, there are mostly health benefits that make them a popular seafood choice:

• A rich protein source: Prawns are a delicious and low-calorie source of protein. They can offer about 20 grams of high-quality protein with each 100-gram serving. Protein is important for all general functions of your body, from tissue repair to muscle growth.
• Low-calorie superfood: With minimum fat and low calories, prawns provide all the crucial nutrients required by your body. Such nutrient-filled properties make prawns a superfood, allowing you to feel satisfied without affecting your calorie goals.
• Packed with omega-3 fatty acids: Omega-3 fatty acids have many health benefits, like reducing triglyceride levels, inflammation and blood pressure. Plus, they support brain functions and circulation.
• Rich in essential vitamins and minerals: A healthy and functional human body requires essential minerals and vitamins. When you add prawns to your diet, it can increase your intake of vitamin B12, zinc, magnesium and selenium.
• Promotes an overall healthy body functioning: Prawns can help you maintain an overall healthy body functioning. Zinc and selenium in prawns may boost immunity. Omega-3 fatty acids may reduce the risk of heart ailments and improve brain health. Calcium and phosphorus may help in maintaining strong teeth and bones. Finally, vitamin E improves hair and skin health.

Disadvantages of eating prawns

Regardless of their numerous health benefits, prawns may not be suitable for everyone. Overconsumption or poor handling can lead to prawns' side effects, as listed below:

• High cholesterol: Excessive consumption can lead to higher levels of cholesterol.
• Allergic reactions: Allergic reactions to prawns are common with symptoms like hives, itching and rashes and might even cause anaphylaxis.
• Mercury toxicity: Prawns, among other seafoods, can contain mercury. It can cause mercury contamination if overconsumed.
• Excessive sodium: The sodium levels in prawns can be higher, leading to risks of hypertension or heart conditions.
• Digestive discomfort: Overconsumption of prawns or improper cooking can cause digestive issues like nausea, bloating, diarrhoea or gas.

Can I eat prawns everyday?

Prawns are nutritious and delicious, but daily consumption may not be ideal. For every food or nutrition choice, moderation and balance are significant. If you have no seafood allergies or any pre-existing conditions, eating prawns in moderation could be beneficial. However, overconsumption can cause increased cholesterol levels and allergies (in some cases). It is always ideal to consume in moderation and enjoy its various health benefits. 

What to avoid after eating prawns?

Although prawns are a delicacy and staple in various cuisines, pairing them with certain foods can cause health risks. It can lead to allergic reactions, stomach issues or even cause food poisoning. You should avoid eating citrus fruits, dairy products, vitamin C-rich foods and desserts. Alcohol and cold drinks should be avoided, along with starchy foods and tea. 

Conclusion

A delicious and nutrient-rich seafood with numerous benefits, prawns help in immune support, heart health and weight management. However, they also come with a few side effects, which can be avoided with a balanced intake. That’s why making smart dietary choices is as essential as choosing the right health insurance. For comprehensive medical coverage, individual health insurance offers benefits that suit your personal needs. Meanwhile, critical illness insurance provides support for long-term critical illnesses. By balancing a healthy lifestyle, nutritious diet and the right insurance plans, you can protect both your health and your future well-being.

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

Fish oil is a well-known dietary source of omega-3 fatty acids, making it an essential nutrient for human health. It is most commonly found in fish like salmon and sardines and is rich in DHA (docosahexaenoic acid), EPA (eicosapentaenoic acid) and omega-3 fatty acids. These nutrients are essential for normal body functions but are not produced by the body itself.

While supplements can help, especially for people with high triglycerides or existing heart disease, eating fish is generally the better option. Fish oil offers many benefits, but can also cause side effects ranging from mild to serious. This guide will explain the uses, benefits and possible fish oil side effects.

Fish oil benefits

There are multiple research and studies on the benefits and side effects of fish oil. Based on the intake and dosage, fish oil can offer numerous health benefits, impacting both physical and mental health. Here are some of the benefits of fish oil supplements on the human body:

• Lower risks of heart disease: Fish oil is believed to reduce levels of cholesterol, triglycerides and blood pressure. It can also prevent plaques that can harden arteries, leading to heart disease.
• Improve eye health: While fish oil does not help with dry eye disease, it is known to reduce the risk of other eye conditions. Especially when eye health declines with age and increases the risk of age-related macular degeneration (AMD), including fish oil in the diet may help lower this risk.
• Reduce inflammation: Fish oil and particularly omega-3, is known for its anti-inflammatory properties. It can help minimise chronic inflammatory conditions. Additionally, it could also help in reducing joint pain and stiffness, especially for people suffering from rheumatoid arthritis.
• Improve symptoms of mental health conditions: Studies show that the human brain contains about 20% polyunsaturated fatty acids, including omega-3. Hence, fish oil and omega-3 can improve brain functions, making them an essential component in your diet.
• Support pregnancy and early life development: Omega-3 and DHA are crucial for fetal eye and brain development. Fish oil supplements may improve the cognitive and visual development of the child.

Is fish oil good for you?

Fish oil is generally good for your health; however, it should be taken according to the recommended dosage. Many studies have explored the benefits and side effects of fish oil for human health. It is, however, important to consider the quality and dosage of the supplement. Poor-quality fish oil supplements or overconsumption can lead to health complications.

If you consume fish as part of your diet regularly, you can avoid taking a supplement. On the contrary, if fish is not included in your diet, fish oil supplements can help you meet your omega-3 needs. Regardless of your intake type, you must consult a professional before taking fish oil or any other supplement.

Fish oil side effects

Fish oil is typically considered safe when consumed in moderation. Yet, it can cause certain side effects, especially due to poor quality or overconsumption. The fish oil side effects can be mild or serious, depending on a variety of factors.

Mild side effects of fish oil:

• Stomach upset or nausea.
• Loose stools.
• Gastrointestinal issues or heartburn.
• Fishy burps and breath.

Serious (or moderate) side effects of fish oil:

• Increased risks of bleeding.
• Atrial fibrillation (in people with cardiovascular disease).
• Lower immune functioning.
• Risks of vitamin A toxicity, and in the long run, it could lead to liver damage or failure.
• Low blood pressure.

Is it okay to have fish oil every day?

There are various fish oil benefits, but the right amount depends on your age, health condition and dietary needs. While general guidelines suggest around 1,100 mg for women and 1,600 mg for men, individual needs may vary. It’s best to consult a healthcare professional before adding fish oil or any supplement to your routine, especially if you have existing health concerns.

Conclusion

Fish oil supplements can be an essential addition to your daily diet, provided that you include them within recommended dosage limits. Focusing on proper nutrition and supplements is just as important as protecting yourself and your family with the right health insurance policy. Health insurance, such as critical illness insurance, can offer financial support in case of a serious diagnosis. Additionally, senior citizen health insurance plans also offer comprehensive protection for ageing adults. Such insurance plans, along with the right diet, can offer protection against financial burdens as well as health ailments.

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.

A polyunsaturated fatty acid (PUFA) with numerous health benefits, omega-3 is an essential nutrient for the overall proper function of the human body. First, what are fatty acids? These are made up of carbon, oxygen and hydrogen atoms, forming chain-like chemical molecules. Fatty acids are usually of two types, saturated and unsaturated. Saturated fats are often seen as “unhealthy,” while unsaturated fats are known as the “healthy” ones. Omega-3 is part of the unsaturated group.

In this blog, we’ll explore the main benefits of omega 3 and also look at some possible side effects you should know about.

Health benefits of Omega 3

Omega-3 fatty acids form a vital part of your cell membranes, and they are found naturally in some foods and artificially in dietary supplements. Regardless of the intake type, omega 3 benefits by supporting cell interactions, providing energy and are a healthy alternative to saturated fats.

While there can be some omega 3 side effects, the benefits are significant. Here are some key ways they can support your health:

1. Reduce risks of cardiovascular disease: Studies have shown that consumption of omega-3 in any form can reduce the risks of heart disease. It may improve HDL cholesterol, lower LDL cholesterol levels and even reduce triglyceride levels. Additionally, small doses can help maintain blood pressure levels.
2. Moderates certain mental conditions: The human brain is made of 60% fat, and omega-3 is a major part of it. These fatty acids are required for brain cell structures and their development. Including omega-3 in the daily diet may help in the prevention or recovery of certain mental health conditions, such as schizophrenia and bipolar disorder.
3. May improve eyesight: Omega-3 fatty acids have moisture retention qualities, making them beneficial for preventing dry eyes. Underconsumption of omega-3 can lead to higher risks of developing eye disorders. On the other hand, regular consumption may prevent risks of degenerative eye ailments, such as AMD (age-related macular degeneration).
4. Promotes healthy skin: The moisture-retaining qualities of omega-3 also help in keeping your skin moisturised and reducing dryness or irritation. Omega-3 can also help repair cell membranes and damaged skin cells.
5. May reduce rheumatoid arthritis: Joint pain with swelling are common side effects of rheumatoid arthritis. Omega 3 fatty acids can help to reduce stiffness, joint pains and inflammation.

What are Omega 3 side effects?

The side effects of omega 3 can range from minor to serious, depending on how your body reacts to it. The minor side effects are as follows:

• Fishy aftertaste, breath or body odour
• Diarrhoea, stomach ache or upset stomach
• Excessive burping
• Other gastrointestinal signs, such as nausea

In rare cases, more serious side effects may occur, such as:

• Allergic reactions— rashes, breathing problems, swollen mouth or tightness in the chest.
• Abnormal heartbeat
• Dizziness or fainting
• Swollen arms or legs
• Unexplained chest pain
• Sudden and unexplained belling

Is it good to take Omega 3 everyday?

The right daily amount of omega-3 has not been established by experts yet. However, it depends on your gender and age. For men (adults), the average daily recommended amount is 1.6 g, while for women (adults), it is 1.1 g. Like any nutrient, too much omega-3 can be harmful. Taking high doses over a long time may weaken your immune system and increase the risk of bleeding. It’s best to stick to the recommended amounts unless advised otherwise by a doctor.

Can I take Omega 3 without consulting a doctor?

Omega-3 fatty acids are nutrients naturally found in foods like flaxseed and fish. Since it is an essential fatty acid, your body cannot make it and you must get it from natural foods or supplements. While omega-3 is generally safe, it’s still wise to consult a doctor before starting supplements— especially if you have a medical condition, take medications or plan to take high doses.

Conclusion

Some of the best sources of omega-3 are found naturally in foods. Oily fish like salmon, tuna and sardines, along with plant-based options like walnuts, hazelnuts and flaxseeds, are rich in omega-3 fatty acids.

When it comes to your health, neglecting such seemingly minor nourishment can lead to major risks. Hence, a complete diet and health insurance plans are significant. When you invest in health insurance or senior citizen health insurance (for those aged 60 years or above), you benefit from coverage of your medical expenses. Additionally, opting for health insurance for family is an even better way to protect your loved ones from the high costs of medical care.

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