Hip pain can gradually make everyday tasks like walking, bending or even resting more difficult. When medicines, injections or physiotherapy stop providing relief, doctors may suggest hip replacement surgery.

However, the big question for many is: does health insurance actually cover the cost of this procedure? Let’s break it down.

What is hip replacement?

Hip replacement is a surgical procedure that involves replacing a damaged hip joint with artificial implants. The aim of the surgery is to reduce persistent pain, restore mobility and make daily activities easier.

The hip joint has a shape like a ball and socket, and it allows smooth movement of the body. When this joint becomes worn out or injured, doctors may replace either one part or both parts with prosthetics made of metal, ceramic or plastic. In many cases, a complete replacement is carried out where both the ball and the socket are changed. Sometimes only the ball part of the hip joint is replaced, and it is called a partial replacement.

A revision hip replacement is a follow-up procedure performed when an existing hip implant wears out, loosens or fails, requiring it to be replaced with a new one.

When do you need hip replacement?

Doctors usually recommend hip replacement when daily life becomes difficult and other treatments fail. Some clear indicators include:

• Unbearable pain: Pain that continues between your hip and knee despite medication, physiotherapy or injections.
• Loss of mobility: Struggling with simple tasks like wearing socks, standing for a long time or walking short distances.
• Chronic stiffness: A persistent feeling of stiffness that makes it difficult to lift your legs.
• Failed conventional treatments: When painkillers, steroid injections or physical therapy no longer bring relief.
• Diagnostic tests: X-rays showing hip deformity or MRI scans revealing cartilage and tissue damage.

What causes damage to your hip joint?

Some of the most common causes of damage to the hip joint are:

• Osteoarthritis: This is one of the main causes of hip joint damage, and it happens when the cartilage that supports the bones begins to wear down with age. This results in pain, stiffness and reduced movement.
• Rheumatoid arthritis: It is an autoimmune condition where the immune system attacks its own tissue. The condition causes inflammation, swelling and long-term deterioration of the bone and cartilage.
• Osteonecrosis: This condition develops when the blood supply to the bone is reduced or cut off. This can cause death of bone tissue and progressive weakening of the joint.
• Post-traumatic arthritis: This form of arthritis often develops after an injury or fracture. The trauma eventually causes long-term stiffness, swelling and reduced flexibility.
• Childhood hip diseases: Developmental issues in the hip joint during childhood can lead to abnormal growth or deformity. It can later increase the risk of arthritis and joint issues in adulthood.

Does your health insurance cover the hip replacement surgery?

Health insurance can cover hip replacement surgery, depending on your plan. Some key considerations are:

• Medical necessity: Most policies cover hip replacement when a doctor confirms that the surgery is required for your health and mobility.
• Waiting period: Insurers typically apply a waiting period of 1–4 years for hip replacement, depending on the policy.
• Sub-limits: Some policies place a cap on the maximum amount they will pay for joint replacement surgeries, regardless of the total sum insured.
• Policy terms: The exact coverage depends on the clauses in your individual health insurance plan, so reviewing the document carefully is important.

What expenses are covered?

Hip replacement involves more than just the surgery itself, and most comprehensive health insurance plans take this into account. Coverage usually includes hospitalisation expenses such as room charges, nursing care and ICU fees, along with the surgeon’s fee, anaesthesia and operation theatre costs. Diagnostic tests like X-rays, MRIs and blood work done before surgery are also included.

Individual health insurance policies often extend to pre- and post-hospitalisation expenses too. This may cover doctor consultations, medicines and physiotherapy sessions. Policies usually cover medicines and implants, but many apply sub-limits, co-payments or exclusions on certain implants and consumables. However, coverage varies depending on the policy.

How to ensure complete coverage?

To ensure your hip replacement is fully covered, choose a policy with a high sum insured, verify the waiting period for joint replacement surgeries and confirm there are no sub-limits on the claim amount.

You also have to use hospitals within your insurer’s network to access cashless treatment, keep your policy renewed without gaps and always get pre-authorisation. These simple steps can help you avoid claim rejections and reduce out-of-pocket costs.

Conclusion

Hip replacement surgery can be life-changing for those struggling with chronic hip pain and mobility loss. While the procedure is costly, many health insurance plans provide coverage when it is medically necessary.

Understanding waiting periods, sub-limits and policy terms is key to avoiding surprises. By choosing the right plan, you can ensure financial protection and focus on recovery with peace of mind.

FAQs

• Does health insurance cover hip replacement surgery?

Yes, most health insurance plans cover hip replacement if it is medically necessary. However, the coverage can vary by policy, so review the terms carefully.

What is the waiting period in health insurance for hip replacement?

Individual health insurance usually has a waiting period of one to four years for hip replacement.

• Does individual health insurance cover all expenses of hip replacement?

Most individual health insurance plans cover hospitalisation, surgery and medicines. However, coverage depends on the policy terms.

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.

In Indian tradition, warriors have always been admired for their strength, courage and focus. In yoga, this spirit is captured through a powerful posture called Virabhadrasana, also called the Warrior Pose. It combines steadiness with grace, helps us build body strength and calms the mind.

Read on to learn more about the types and benefits of the Warrior Pose.

What is Virabhadrasana pose in yoga?

Virabhadrasana is a sequence of standing yoga postures that embody the fierce spirit of Virabhadra, a mythical warrior created by Lord Shiva. Each variation of this pose engages different areas of the body, helping build physical strength and improve focus and balance.

In modern yoga practice, Warrior Poses are commonly included in Sun Salutations and Vinyasa flows because they combine endurance, flexibility and mindfulness in a single movement.

Warrior Pose is generally considered an intermediate-level posture. However, modifications make it accessible for beginners as well. The pose mainly engages the legs, arms, core, shoulders and spine.

What are the different types of Warrior Poses in yoga?

Virabhadrasana is not a single posture but a sequence of variations that challenge the body in different ways. Each form focuses on strength, balance and flexibility and has its own unique benefits. The various types of Warrior Poses are:

1. Warrior I (Virabhadrasana I):  In Warrior I, the front knee bends while the hips square forward and the arms reach overhead. This pose opens the chest and strengthens the thighs and shoulders.
2. Warrior II (Virabhadrasana II):  Warrior II is performed in a wide stance with the front knee bent and the arms stretched sideways. It builds endurance, improves focus and tones the inner thighs while encouraging stability.
3. Warrior III (Virabhadrasana III): This variation requires balance, with one leg lifted back and the arms reaching forward. Warrior III works the core and spine, sharpens concentration and improves overall posture.
4. Humble Warrior (Baddha Virabhadrasana): From Warrior I, the torso folds forward over the bent leg while the arms are clasped behind the back. The pose stretches the chest and shoulders, strengthens the legs and improves focus.
5. Reverse Warrior (Viparita Virabhadrasana): In Reverse Warrior, the stance remains like Warrior II, but the torso bends backwards with one arm reaching overhead. This pose stretches the side of the body and improves spinal flexibility.

How long should one hold the Warrior Pose?

Beginners can hold the Warrior Pose for 20 to 30 seconds. This gives enough time to focus on alignment and breathing. This can be extended to 45 to 60 seconds with practice.

Balancing poses like Warrior III are usually held for 20 to 30 seconds on each side. The key is to prioritise proper form and stability over holding the pose for longer periods at the expense of alignment.

Benefits of Virabhadrasana (Warrior Pose)

Warrior Pose combines strength, flexibility and mental focus. Virabhadrasana benefits your emotional well-being as well. Some benefits of Virabhadrasana are as follows:

• Strengthens muscles: Warrior Pose works on the arms, thighs, calves, shoulders and lower back. Practising it regularly tones these areas and builds endurance. It can make everyday movements easier and the body more resilient.
• Improves spine health: The pose engages the erector spinae muscles and helps improve posture, reduce stiffness and lower the risk of back pain that often comes from sitting for long hours.
• Relieves stiff shoulders: Many of us develop rounded or tight shoulders from desk work. The expansive arm movements in Warrior Pose open the chest and shoulders.
• Enhances mental health: Holding Warrior Pose requires focus and calm breathing, which helps reduce anxiety and sharpen concentration.
• Supports pelvic health: Warrior Pose can be especially helpful for women as it strengthens the pelvic floor and improves blood circulation in the pelvic region.
• Improves flexibility and balance: The wide stances and deep stretches in Warrior Poses improve hip mobility, ankle stability and balance.

Conclusion

Practising Warrior Pose regularly helps improve strength, balance and overall well-being. It also supports a healthier lifestyle in the long run. Staying active with yoga can lower the risk of lifestyle-related illnesses, reduce stress and improve mobility.

It is important to combine regular exercise with adequate nutrition, mindfulness and the right health insurance. For older adults, senior citizen health insurance adds an extra layer of protection, ensuring they enjoy financial security for medical needs.

FAQs

• What are the benefits of Warrior 1?

Warrior 1 strengthens the legs and shoulders, opens the chest and lungs and improves stability and focus.

• How does Warrior Pose yoga benefit daily life?

Regular practice reduces stiffness, builds stamina and keeps the body active and stable.

• How do Virabhadrasana 1, 2 and 3 differ in benefits?

Each pose targets different muscles. Warrior I opens the chest, Warrior II builds stability and Warrior III improves balance.

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 next-generation GST reforms, aimed at boosting consumption, have received praise from all corners. Ever since the GST Council announced the slashing of GST rates on several items, including nil on health insurance, people are questioning who gets the maximum GST health insurance benefits.

Note that from September 22, 2025, no GST will be applicable on individual health policies, family floater plans and senior citizen plans. Currently, they attract a GST of 18% on the base premium.

Overview of the GST reforms

At the recently concluded 56th meeting of the GST Council, it was decided to reduce the number of GST tax slabs from four to two. The two new slabs will be 5% (merit rate) and 18% (standard rate).

There is a 40% special rate luxury goods. Tax rates on several daily items and consumption have been reduced. However, the one that has got special attention from all is zero GST on health insurance policies. Let’s see the categories that will derive the GST health insurance benefits the most.

Individual policyholders: The primary beneficiaries

Nil GST on health insurance will hugely benefit policyholders who buy individual health insurance policy. It will significantly reduce the premiums they need to pay for their policy. This will make health insurance more affordable and encourage more people to buy policies for themselves.

With lower costs, individual policyholders may also consider opting for higher coverage to enhance their protection quotient. Individuals can also consider adding the necessary riders to their base policy for better protection against rising medical inflation.

Family floater policies: More affordable coverage

Family floater policies are a cost-effective way to cover all family members under a single health insurance policy. In such policies, the coverage is shared among all members. Note that premiums in a family floater plan depend on the age of the eldest member.

This often resulted in higher premiums, making people hesitant to opt for such policies. However, nil GST on family health insurance plans can make these policies more affordable to a large section of the country’s population.

Senior Citizens: Why it matters more to them

Unfortunately, the majority of seniors lack health insurance coverage. They are highly vulnerable to falling sick due to age issues. Living without health insurance can be detrimental for seniors, as even a few days of hospitalisation can result in significant out-of-pocket expenses.

This, in turn, can reduce their retirement corpus manifold and with a break in active income, the results could be disastrous. That’s not all. Many seniors struggle to afford the high premiums for health insurance policies. Note that insurance premiums depend on age and health conditions, both of which are often not in the favour of the elderly.

However, GST rates being reduced to zero will greatly benefit senior citizens by making health insurance affordable for them. Not only can they buy new policies, but can also renew their existing policies without worrying about high costs.

Small business owners and self-employed

Small business owners and self-employed individuals will also benefit greatly from this move. They are often hesitant to buy health insurance due to irregular cash flows.

However, now with premiums all set to come down, this section of the population can provide themselves with better protection at a reasonable price.  A reduction in premiums means that more small enterprises and gig workers can continue with their insurance policies in the long run.

Maximising your benefits

The move to remove GST on health insurance could be a game-changer for the sector. Although awareness of health insurance has increased in recent years, there's still a long way to go. For you to maximise benefits from the recent decision, plan purchase or renewal of your health insurance policy on or after September 22, 2025. If you do so, you can get the benefit of reduced premiums.

That said, if your policy is up for renewal and is in a grace period, it’s better to renew it right away without waiting. You can avail the benefits of reduced premiums on your next renewal. After all, it’s better to remain covered than to be unprotected. For any queries, reach out to our executives on our toll-free number at 1800 2666.

Disclaimer: The information provided in this blog is for educational and informational purposes only. 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.

We all know papaya as a delicious tropical fruit, but not many realise that its leaves hold a special place in traditional and natural medicine. Papaya leaves are packed with potential health benefits, including aiding digestion and serving as a home remedy for dengue fever.

However, there are also a few side effects and important safety considerations to be aware of. Let us take a closer look at what papaya leaves can and can’t do for your health.

Benefits of papaya leaves

The various benefits of papaya leaves include:

• Boost your immunity: Papaya leaves are rich in vitamins A, C and E. They may help your body fight off infections and strengthen its immune defences.
• Aid digestion: Enzymes like papain and chymopapain in the leaves help break down proteins and ease common digestive issues like indigestion and bloating.
• Reduce inflammation: The leaves contain anti-inflammatory compounds like flavonoids. They may help ease pain in conditions such as arthritis.
• Help with dengue fever: Although there is mixed evidence, some studies suggest that papaya leaves can increase platelet count and reduce recovery time.
• Regulate blood sugar: Early studies that were primarily conducted in animals suggest that papaya leaves may help control blood sugar levels by supporting the health of insulin-producing cells in the pancreas.
• Improve skin and hair: The antioxidants in papaya leaves may promote collagen production. They may help improve common skin and scalp issues, such as acne and dandruff.
• Support liver detoxification: Traditional medicine values papaya leaves for their potential in supporting liver function and flushing out toxins.

Is papaya leaf good for haemoglobin?

Papaya leaves may offer indirect support for improving haemoglobin levels, as they are rich in nutrients that help the production of red blood cells. The iron content in papaya leaves is not as high as in animal-based sources, but they do contain trace amounts of this essential mineral.

Papaya leaves also have a good amount of vitamin C, which helps improve iron absorption in the body. They also contain folate, which is a nutrient crucial for red blood cell formation and for reducing the risk of anaemia.

However, this juice shouldn’t be seen as a substitute for iron supplements or iron-rich foods, though it may be a helpful complementary remedy.

What are the side effects of drinking papaya leaf juice?

Some potential papaya leaf juice side effects include:

• Digestive upset: Nausea, stomach cramps or diarrhoea can occur, especially when consumed in large amounts.
• Allergic reactions: People allergic to papaya or latex may experience skin irritation, rashes or even difficulty breathing.
• Risks in pregnancy: Papaya leaf juice might stimulate uterine contractions and should be taken during pregnancy or while breastfeeding.
• Medication interference: Consult your doctor first if you are taking blood thinners, diabetic medications or have a chronic illness. Papaya leaf compounds can interact with drugs and affect their potency.

What happens if we drink papaya leaf juice daily?

Daily consumption might sound like a shortcut to better health, but it is not always a good idea. Doctor-approved use of papaya leaf juice in moderation may help support your immune system, digestion or platelet count. However, excessive consumption can lead to complications.

A commonly recommended dosage is around 30-60 ml of fresh juice per day. It can often be mixed with other fruit juices to improve taste. It is essential to start small, monitor your body’s response and consult a healthcare provider before incorporating it into your routine.

Can health insurance cover treatments involving natural remedies?

While papaya leaf juice may offer certain health benefits, it’s important to approach such remedies with caution and proper medical advice. Natural treatments should be seen as complementary, not replacements for professional care.

For long-term health protection and financial security during serious illnesses, having a comprehensive health insurance policy is essential. Always consult your doctor and ensure your health coverage aligns with your medical needs.

Conclusion

Papaya leaf juice can be a helpful natural remedy for conditions such as low platelet count or poor digestion. However, it is not a one-size-fits-all solution. Side effects are possible, and you need to use it responsibly. Remember that natural therapies like these are not usually covered even under a family floater health insurance plan. It is always best to check the details before assuming what is included.

FAQs

• What are the benefits of papaya leaves for overall health?

The main advantage of papaya leaf is its ability to support immunity, digestion and platelet count, especially during illnesses like dengue.

• Are there any papaya leaf juice side effects I should know about?

Yes, some common side effects of drinking papaya leaf juice include nausea, stomach upset and allergic reactions if consumed without guidance.

• What are the disadvantages of papaya leaf juice in daily use?

The disadvantages of papaya leaf juice include potential liver strain, interference with medications and risks during pregnancy when consumed regularly.

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 of doing yoga while being suspended in the air is quite intriguing. And that’s exactly what aerial yoga or anti-gravity yoga does. It supports your body in mid-air using a fabric hammock that hangs from the ceiling. This support makes movements feel lighter, stretches go deeper, and poses become a mix of strength and flow. If you are curious about how it all works and what it can do for you, let us learn more about it.

Hanging yoga poses

The ones below are some of the most commonly practised aerial yoga poses that form a strong foundation for both beginners and regular practitioners:

• Vrikshasana (Tree Pose): This is a beginner-friendly pose that helps open up the hips. The sling provides extra support and makes it easy to maintain balance.
• Matsyasana (Fish Pose): This chest-opening pose feels lighter and more spacious in the aerial version.
• Ardha Kapotasana (Half Pigeon Pose): This pose stretches the thighs and opens the hip flexors by placing one leg in the sling while the other stays grounded.
• Supta Konasana (Reclined Angle Pose): In this pose, the soles of your feet are held together in the hammock while you recline on the mat.
• Dhanurasana (Bow Pose): This is a deep backbend that activates the spine and shoulders. The hammock helps reduce strain and makes it easier to maintain the pose without overextending.
• Ardha Navasana (Half Boat Pose): This is a core-strengthening pose that improves both balance and posture. Practising it in the hammock makes the pose more dynamic and adds a fun challenge to your balance.

Is aerial yoga suitable for beginners?

Aerial yoga is suitable for beginners. It may even feel more approachable than traditional yoga in some cases. Classes designed for newcomers focus on safety and ease of movement. The hammock helps reduce pressure on the joints, adds balance in tricky poses and makes inversions less intimidating. This extra assistance can be invaluable for people who are new to yoga or unsure on the mat.

What are the benefits of anti-gravity yoga?

The benefits of aerial yoga include:

• Improves flexibility, stability and balance: A 2019 study found that people who practise aerial yoga show noticeable improvements in posture, flexibility and overall balance.
• Spine decompression: Being suspended upside down helps relieve pressure on the spine and joints. This can be very helpful for individuals who experience back discomfort or those who sit for extended periods.
• Better circulation: Inverted poses support healthy blood flow and increase oxygen supply to the brain.
• Strength building: Holding your body in the air engages the core, arms and legs.
• Improved mental health: Aerial yoga encourages mindfulness and helps lower stress levels. It has been linked to reduced cortisol and better mood stability over time.
• Supports heart health: According to a 2016 study by the American Council on Exercise, aerial yoga may help reduce certain risk factors related to heart disease.

Is aerial yoga suitable for cardio or strength?

Anti-gravity yoga can be effective for both building strength and improving cardiovascular health. Poses like Plank Pose Aerial Variation, Handstand Prep and Boat Pose Aerial engage deep core and stabiliser muscles. This makes it a solid strength-building practice.

At the same time, flow-based sequences with continuous movement help raise your heart rate. They offer a light cardio workout. A typical 50-minute session can burn around 300 calories, similar to a brisk walk or an easy jog. Even simple movements become muscle-intensive, as your body constantly works to stay balanced in the air.

Does health insurance cover injuries from fitness activities like aerial yoga?

Most insurance policies provide coverage for injuries that require medical attention, even if they occur during activities such as aerial yoga. However, what is covered can differ based on the specific details of your policy. Some plans exclude injuries caused by high-risk or adventure activities; aerial yoga might fall under that category, depending on how it is classified. It is a good idea to review your health insurance plan and check if it covers fitness-related injuries.

Also, choosing senior citizen health insurance with broader coverage can offer more peace of mind for older adults, especially when staying active is part of their lifestyle.

Conclusion

Aerial yoga helps improve flexibility, builds strength and brings a sense of calm that is hard to find in more intense workouts. Many people enjoy it as a refreshing change from routine fitness classes. Just make sure that you have the right health insurance plan in place, it lets you focus on staying active and feeling your best.

FAQs

• What are some beginner-friendly aerial yoga poses?

Beginner aerial yoga poses, like floating savasana, aerial plank and supported star pose, help ease you into the practice while improving balance and flexibility.

• How do anti gravity yoga poses improve a workout?

Anti gravity yoga poses support the body in mid-air. This allows deeper stretches and core engagement. They also reduce joint pressure and make movement safer and more dynamic.

• What are the main anti-gravity yoga benefits for the body and mind?

Hanging yoga poses can ease back tension, improve posture and encourage relaxation. These are just a few of the many benefits of anti gravity yoga and aerial yoga.

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.

Knee replacement surgery is a common yet life-changing procedure, especially for individuals who are dealing with chronic knee pain or joint conditions like arthritis. The quality and affordability of this surgery often go hand in hand in India. Hence, it has become more accessible. Let us explore what you should know about knee replacement surgery and how health insurance can ease the financial burden.

What is a knee replacement surgery?

Knee replacement surgery is done to remove a damaged or unhealthy knee joint and replace it with an artificial implant. These implants are normally made of metal alloys, ceramic materials or high-grade plastics. The primary objective of the surgery is to reduce pain, improve mobility and the overall quality of life of the patient.

Why do you need knee replacement surgery?

Knee replacement is recommended when treatments like medication or physiotherapy no longer provide relief. It is often necessary for those with severe arthritis, chronic knee pain, joint stiffness or damage from past injuries.

Types of knee replacement surgery

There are several types of knee surgeries, depending on the extent of damage and the patient’s needs. Total knee replacement is the most common procedure, where both the thigh and shin bones and sometimes the kneecap, are replaced.

In a partial knee replacement (also known as unicompartmental replacement), only the damaged part of the joint is removed, preserving healthy bone and tissue. Bilateral knee replacement is done when both knees require replacement, either simultaneously or in stages.

ACL replacement surgery focuses on reconstructing the anterior cruciate ligament, typically after sports-related injuries. Robotic knee replacement is a more advanced approach that uses robotic assistance for greater precision and better outcomes in complex cases.

Cost of knee replacement surgery in India

The cost of knee replacement surgery in India varies widely. A general breakdown of costs goes like:

• Total knee replacement: ₹2.5-₹5 lakh
• Partial knee replacement: ₹1.5-₹3 lakh
• Robotic knee replacement: ₹2-₹4.5 lakh
• ACL replacement surgery: ₹2-₹4 lakh
• Meniscus tear surgery: ₹1-₹2 lakh
• Unicompartmental knee replacement: ₹2-₹3.5 lakh

Implant costs also vary. They are like:

• Metal and polyethylene: ₹25,000-₹45,000
• Ceramic: ₹55,000-₹1.1 lakh
• Imported/high-end: ₹1.5-₹2.5 lakh

Knee replacement surgery cost in different parts of India

Below is a city-wise estimate for knee replacement surgery, keeping in mind the average cost of knee replacement in India:

Factors affecting knee replacement surgery cost in India

Several factors influence the total cost of knee replacement surgery. Hospital charges vary, with multispeciality or private hospitals typically charging more due to advanced facilities.

The surgeon’s experience and expertise also impact pricing. The type of implant used, like metal, ceramic or imported, can significantly affect costs. Pre-surgery diagnostics like X-rays, MRIs and blood tests may add ₹30,000-₹60,000. Post-operative care, including physiotherapy, medications and follow-ups, is another ongoing expense. Patients with existing health conditions such as diabetes or hypertension may require additional care. The surgical technique also matters. Robotic or minimally invasive procedures are usually more expensive.

Lastly, the location and infrastructure of the hospital, especially in metro cities, can further increase the overall cost.

Benefits of health insurance for knee replacement surgery

Knee replacement can be expensive, but having health insurance makes a big difference. Most plans cover hospital stays, the surgery and tests before and after the procedure. Even the cost of the implant might be included, depending on the policy.

Many insurers also offer cashless treatment at network hospitals. This means that you don’t have to pay everything up front. Some policies also help with recovery, including physiotherapy.

Conclusion

Knee replacement surgery is widely available in India, with hospitals offering both advanced treatments and cost-effective options. Patients have the flexibility to choose care based on their medical needs and financial situation. Just make sure that you have the right individual health insurance. It can ease the financial load and make the entire process more manageable.

FAQs

• What types of knee replacement surgery are usually recommended?

Doctors suggest different types of knee replacement surgery, like total, partial or revision, based on how much of the joint is damaged. All these options are widely available in India.

• What is the average knee surgery cost in india at most hospitals?

The average cost of knee replacement in India generally falls between ₹1.5-₹5.5 lakh.

• How much does a total knee replacement cost in India?

The total knee replacement surgery cost in India starts at ₹2.5 lakh and may go higher depending on the implant and recovery 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 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.

Liver transplant surgery can be a life-saving option for people whose liver has stopped functioning properly due to chronic illness or sudden failure. In recent years, India has gained recognition for offering advanced liver transplant procedures at comparatively lower costs without compromising on quality. From understanding how the surgery works to the different types, liver transplant cost and insurance options, our guide covers everything you need to know about liver transplant in India.

What is a liver transplant surgery?

A liver transplant is a medical procedure where a diseased or failing liver is replaced with a healthy liver from a donor. The donor can either be an organ donor or a living person willing to donate a portion of their liver. The surgery is usually recommended for people facing serious liver conditions like liver cancer, cirrhosis or sudden liver failure.

Types of liver transplant in India

All types of liver transplant serve a specific medical need and come with their own approach and recovery process. Let us take a closer look at each:

1. Orthotopic liver transplant: This is the most widely performed transplant. A fully healthy liver from a deceased donor replaces the recipient’s diseased liver.
2. Living donor liver transplant: In this method, a living person donates a portion of their liver. The donor and recipient undergo surgery simultaneously.
3. Split liver transplant: In this type of transplant, a liver sourced from a deceased donor is surgically divided into two parts: the larger right lobe and the smaller left lobe. One portion is transplanted into an adult, while the other is transplanted into a child. This method allows two patients to benefit from a single donor organ.
4. Auxiliary liver transplant: This is used in rare cases, often for inherited or metabolic liver disorders. A portion of the donor’s liver is transplanted alongside the patient’s own instead of removing the entire liver.

Who needs liver transplant surgery?

A liver transplant is taken into consideration when the liver is too damaged to function and no longer responds to treatment. This can be because of conditions like chronic hepatitis B or C, excessive alcohol use, autoimmune hepatitis, liver cancer or sudden liver failure. It is also needed for genetic disorders like Wilson’s disease or in children with biliary atresia.

What is the cost of liver transplant in India?

Let us try to understand what the liver transplant surgery cost in India is like:

Factors influencing the cost of liver transplant surgery

The total cost of a liver transplant in India can vary significantly based on several key factors. The type of transplant also affects the cost. Living donor procedures usually involve additional surgery and recovery expenses for the donor, making them more expensive than deceased donor transplants. The patient’s overall health and any complications can further increase costs, as can extended ICU stays.

Coverage for liver transplant in health insurance policies

Health insurance may cover liver transplants, but not all policies include it by default. It is important to check if the plan mentions organ transplant coverage, hospitalisation, including ICU and diagnostics and pre- and post-hospitalisation care. Some policies also cover donor expenses, whereas others may only include the recipient’s treatment. Always review the terms or speak to your insurer for clarity.

Benefits of health insurance for liver transplant

Having medical insurance can make a significant difference when facing a liver transplant. It helps cut down the financial burden on your family by covering major expenses, such as hospital stays, diagnostics, surgery and medication. Many policies also offer access to a wider network of hospitals and experienced transplant surgeons. Some comprehensive plans also extend coverage to donor surgery, although it is often a separate and substantial expense.

Conclusion

Liver transplant surgery is a complex yet life-saving procedure, and India offers this at a fraction of global prices. However, with costs approaching almost ₹25 lakhs and above, having comprehensive health insurance for family or a critical illness policy is crucial. It simply makes sure that you are financially prepared to protect your health and savings.

FAQs

• What is the liver transplant price in India across different cities?

Liver replacement price in India ranges from ₹14.5-₹22.5 lakhs. The cost is higher in metro cities due to advanced infrastructure.

• What are the types of liver transplant procedures available in India?

India offers living donors, deceased donors, split liver and auxiliary transplants. Each is suited to different 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.

It’s finally here – a Diwali bonanza for the common man. The 56th meeting of the GST Council introduced next-generation GST reforms aimed at boosting consumption and ensuring ease of doing business. The Council announced a simplification of GST slabs from four (5%, 12%, 18%, and 28%) to just two – 5% and 18%. These new GST rates will be effective from 22nd September 2025, coinciding with the first day of Navratri.

The big news: A landmark GST reform for policyholders 

While reductions in GST rates for various items have been widely discussed, the reform that has garnered universal approval is the reduction of GST on insurance. The government has reduced GST on individual health insurance and life insurance policies from 18% to nil, bringing relief to millions of policyholders.

In practical terms, GST on health insurance (including individual health policies, family health policies, and senior citizen health policies) and on life insurance (including term life, endowment policies, and ULIPs) will be 0% from 22nd September 2025. This means that if you renew or purchase a policy on or after this date, you could see a reduction of nearly 18% in your premium.

Understanding the key changes: before vs after

Let’s compare how GST on insurance works before and after the reform. Previously, purchasing or renewing any health or life insurance plan attracted 18% GST on the base premium, increasing the overall cost, especially for older policyholders. From 22nd September 2025, this will no longer apply.

How these changes affect your wallet

The reduction in GST directly benefits your wallet. For example, consider an individual health insurance policy with a base premium of ₹30,000:

*The numbers are for illustrative purposes only. The actual amount may vary.

The savings are proportional to the premium, making this reform particularly beneficial for seniors and retirees, who often hesitate to take health insurance due to high premiums. The change is also expected to increase insurance penetration across the country, providing financial security for families and individuals.

What to do next: Your action plan

With GST on insurance reduced to nil from 22nd September 2025, here’s how you can benefit:

Review your existing policies

Check the renewal dates of your current health and life insurance policies. Renewing on or after 22nd September allows you to benefit from the GST reduction. If your renewal is before this date, it is advisable not to delay, as timely renewal ensures continuous coverage.

Plan new purchases after 22nd September

If you are planning to buy a new policy, consider waiting until 22 September to take advantage of the GST waiver, potentially saving a significant amount on your premium.

The next-generation GST reforms are set to be a game-changer for the insurance sector. They will not only lower premiums and boost affordability but also make insurance a more integral part of your financial planning.

Frequently Asked Questions (FAQs)

1. Will my current active policy premium reduce immediately?

No. The GST reduction applies only on renewals or new policies from 22 September 2025.

2. What about group health insurance provided by my employer?

The GST waiver applies to individual health insurance policies only. Group health policies will continue to attract 18% GST.

3. Does this affect the claim settlement process?

No. GST changes do not affect claims, which continue to follow the standard process, including documentation and assessment.

Getting sick can be tough, not just physically, but also financially. A regular health insurance plan can generally help with your hospital bills in such situations. But what if you are diagnosed with a serious condition that needs long-term care and time off work? That’s where critical illness insurance comes in. It offers extra financial support when you are diagnosed with a critical illness.

Understanding the difference between critical illness insurance vs health insurance can help you choose the right cover.

What is a health insurance policy?

A health insurance plan offers financial safeguard to manage the cost of medical treatment during a health emergency. It usually covers expenses related to hospitalisation, surgery and other inpatient procedures. The policy works as a contract between you and the insurer, detailing the premium, coverage, features and terms. Most health insurance plans are for a year and need to be renewed annually. You can customise your coverage to suit different medical needs and budgets. These include individual, family floater, group or top-up plans.

Benefits of health insurance

Having a health insurance policy offers several benefits, such as:

• Cashless hospitalisation: Health insurance lets you get treatment at network hospitals without paying upfront.
• Broad coverage: It pays for hospitalisation, surgeries, diagnostic tests, ambulance charges and more.
• Tax benefits: You are eligible to claim tax deductions on the premiums you pay for health insurance under Section 80D of the Income Tax Act.
• No-claim bonus: This increases your sum insured each year you don’t raise a claim.
• Maternity cover: Many plans cover maternity and newborn expenses after a waiting period.
• Wellness benefits: They include annual check-ups, fitness rewards, teleconsultations or counselling.
• Customisable options: Add riders like critical illness cover, room rent waivers or OPD benefits.

What is critical illness insurance?

Critical illness insurance is a type of plan that gives you a lump-sum payout in case you are diagnosed with a critical illness like cancer, a heart attack or kidney failure. You can use the money for treatment, daily expenses or paying off debt. It is designed to alleviate financial pressure when a major illness impacts your income as well.

Benefits of critical illness health insurance

Critical illness cover is meant to reduce the financial burden that comes with life-threatening illnesses. Let us understand how it helps:

• Lump-sum payout: You receive the full insured amount upon diagnosis, regardless of the treatment costs.
• Flexible use: The money can be used for medical treatment, daily expenses or anything else you need.
• Covers major illnesses: It provides financial support for conditions like cancer, heart attack or kidney failure.
• Income support: The payout helps cover lost income if your condition affects your ability to work.
• No hospitalisation needed: The claim is approved based on diagnosis. You do not need any hospital bills or proof of treatment.
• Works with health insurance: It complements a regular health plan by covering the non-medical expenses associated with a serious illness.

Claim process under medical insurance

The process of claiming your health insurance depends on whether you are availing of a cashless facility or filing a reimbursement claim. Let’s see how it works:

• Cashless claim: Show your health card and fill out a pre-authorisation form if you are admitted to a network hospital. Your hospital bills will be settled directly by the insurer without any upfront payment.
• Reimbursement claim: Under this, you will need to pay the bills first if you are treated at a non-network hospital. You can submit all original documents, like the discharge summary, bills and a filled claim form, to the insurer after the treatment. They will reimburse you within a few days if everything is in order.

Claim process under critical illness insurance

Here is how the process generally works:

• File a claim after being diagnosed with a covered critical illness.
• Ensure the usually required survival period of around 30 days has passed.
• Submit the filled claim form with documents like the diagnosis report, medical certificate, ID proof and policy details.
• The insurer will review the documents. They will release the full insured amount as a lump sum if the claim is approved.

What is the difference between health insurance and critical illness insurance policy?

Here is a comparison of critical illness vs health insurance:

Critical illness cover vs health insurance: which one to choose?

Having standard health insurance may not cover every expense during an illness. Serious health issues like heart disease, organ failure or cancer often lead to huge expenses and time away from work. It is worth considering critical illness insurance in addition to your standard health plan if you have a family history of serious illnesses.

Conclusion

Choosing between medical insurance vs critical illness insurance is more about understanding your risks. Think about your medical history, lifestyle and family background. If there is a higher chance of developing a critical illness, it makes sense to consider that possibility now rather than later. Compare health insurance vs critical illness insurance and consider combining the two to prepare for the unexpected costs.

FAQs

1. What is the difference between health insurance and critical illness insurance?

The difference between critical illness and health insurance is that health insurance covers treatment costs, while a critical illness policy provides a one-time lump-sum payout upon diagnosis of a serious ailment.

2. How is critical illness cover vs health insurance different?

Critical illness covers a wide range of expenses after serious illness; health insurance handles hospital-related bills only.

3. What does critical illness vs medical insurance mean in terms of diseases?

Medical insurance covers general healthcare; critical illness insurance is for specific life-threatening 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.

Food allergies are immune system reactions caused by specific food proteins wrongly identified as threats. These reactions vary in severity and can result in symptoms such as rashes, digestive discomfort or breathing difficulties. In several cases, people may experience anaphylaxis, a life-threatening condition that requires emergency care.

Recognising the types of food allergies, their causes and symptoms is necessary for managing the condition effectively.

What are food allergies?

Food allergy occurs as soon as the immune system reacts abnormally to a food it misidentifies as harmful. This can result in symptoms like swelling, hives or stomach pain. In severe cases, it may cause anaphylaxis, requiring immediate medical attention due to breathing issues or a sharp drop in blood pressure.

Types of food allergies

These are the types of food allergies, each linked to different immune system responses:

1. IgE-mediated allergies: Caused by IgE antibodies, leading to immediate reactions to foods like peanuts and tree nuts.
2. Oral allergy syndrome: A type of IgE-mediated allergy causing mild, localised reactions in the mouth.
3. Non-IgE-mediated allergies: Triggered by other immune mechanisms, including FPIES, eosinophilic esophagitis and food protein-induced proctitis.

What are the most common food allergies?

Identifying common allergens is key to managing food allergy symptoms effectively. The nine most common food allergens are peanuts, tree nuts (such as almonds, walnuts and cashews), milk, eggs, fish, shellfish, soy, wheat and sesame.

What are the symptoms of food allergies?

Symptoms of an allergic reaction to food may appear within minutes to a few hours of consumption. These include hives, rash, mouth itching, facial swelling, vomiting, diarrhoea, abdominal pain, coughing, wheezing or dizziness.

In severe cases, anaphylaxis may occur, which may lead to narrowed airways, low blood pressure and loss of consciousness, requiring immediate medical attention.

What causes food allergies?

The causes of food allergy involve the immune system wrongly identifying certain food proteins as threats. This triggers a defensive response, releasing chemicals that lead to symptoms such as swelling, hives or breathing difficulty.

In several cases, the reaction can be serious and needs quick medical attention to avoid serious complications.

How are food allergies diagnosed?

Effective allergic reaction to food treatment depends on proper diagnosis. This contains a detailed medical history, physical examination and specific allergy tests such as IgE blood tests or skin prick tests. An elimination diet may also be used under medical surveillance to identify which foods are causing allergic reactions.

How are food allergies treated?

Effective treatment of food allergies involves a combination of preventive and responsive measures. Avoiding known allergens, reading food labels carefully and preventing cross-contamination are essential.

In case of severe reactions like anaphylaxis, carrying an epinephrine auto-injector and seeking immediate medical attention is critical. Mild symptoms can be managed with antihistamines, while steroids may be prescribed for more severe cases.

In some instances, gradual exposure to allergens under strict medical supervision may help reduce sensitivity over time.

Tips for preventing food allergies

To reduce risk and manage signs of food intolerance or allergies:

1. Introduce allergenic foods early under medical supervision, especially in high-risk infants.
2. Identify and avoid known allergens by reading food labels and ingredient lists.
3. Inform restaurant staff about allergies to prevent cross-contact.
4. Carry emergency medication, such as epinephrine auto-injectors, if prescribed.
5. Wear medical identification if prone to severe reactions.
6. Plan meals ahead when eating out or attending events.
7. Consult healthcare providers regularly to review prevention and management strategies.

Does health insurance cover food allergies?

Most health insurance plans usually cover treatment for allergies, including medications and hospitalisation in severe cases. However, coverage can vary, so it's important to review your policy carefully to ensure food allergy care is included. Access to treatment may also depend on the specific benefits offered under your individual health insurance plan.

Conclusion

Managing food allergies requires a clear understanding of their causes, symptoms, diagnosis and treatment options. With proper medical guidance, individuals can adopt strategies to minimise exposure and respond promptly to allergic reactions.

Regular consultations with healthcare providers support long-term control. Access to appropriate care, including coverage through individual health insurance, can further assist in handling medical costs related to allergy treatment. A structured, informed approach allows for better outcomes in reducing risks associated with food allergies across different age groups and severity levels.

FAQs

• What are the common symptoms of allergic reaction to food?

Some common symptoms of an allergic reaction to food include hives, swelling and breathing difficulty.

• Do health insurance plans cover food allergy treatment costs?

Yes, most health insurance plans cover allergic reactions to food treatment and hospitalisation.

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.

Positron Emission Tomography or PET scans are commonly used for diagnosing and tracking conditions like cancer, heart problems and brain disorders. India has become a preferred destination for PET scans due to modern diagnostic facilities, experienced specialists and relatively lower prices. Having a clear understanding of the procedure and the costs associated with it makes it easier to evaluate the options. So, let us take a deep dive into the details of PET scans.

What is positron emission tomography (PET)?

A PET scan is an imaging technique that uses a small amount of radioactive tracer to check the functioning of organs and tissues. It helps detect abnormalities at the cellular level, often before they appear on other scans like CT or MRI. PET is commonly used in oncology, cardiology and neurology.

Types of PET scans?

PET scans differ based on the type of radioactive tracer used and the condition being evaluated. Let us understand the main types of positron emission tomography:

• FDG PET (F18-FDG): It highlights cells with high glucose uptake, which is common in many cancers like lymphoma, brain, lung and colorectal.
• PSMA PET (F18-PSMA): This PET scan is specially designed to detect prostate cancer.
• Cerianna PET (18F-FES): This is used to detect estrogen receptor-positive (ER+) breast cancer.
• NetSpot PET (Ga 68 Dotatate): This type of PET scan helps locate rare neuroendocrine tumours, which often occur in the pancreas, stomach or lungs.
• PET-CT: It is a combined scan that offers both metabolic and structural information and is commonly used in oncology to stage and monitor cancer more precisely.
• PET-MRI: This one combines PET with MRI for better soft tissue detail.

Uses of PET scans

PET scans are mainly used to detect cancer, evaluate the effectiveness of treatments and determine if the disease has spread. They also help evaluate heart muscle damage and guide decisions for surgeries or other cardiac procedures. In brain imaging, PET scans are useful for diagnosing conditions like Alzheimer’s disease, epilepsy and brain tumours.

PET procedure

While a PET scan is being taken, you will lie on a narrow and padded table that slides into a ring-shaped scanner. The machine resembles a large doughnut. You need to stay very still while the scanner captures images, as any movement can blur the results. The procedure is painless and normally takes around 30-45 minutes. It just depends on the type of PET scan being done.

How do you prepare for a PET scan?

Avoid consuming any food for at least 4-6 hours before the scan, although drinking water is generally allowed. Let the doctor know about any medications, especially insulin or supplements. Inform the doctor in case of pregnancy, breastfeeding, diabetes or claustrophobia.

How is a PET scan performed?

The entire PET scan process, including preparation, scanning and rest time, usually takes 2-3 hours. Before the scan, you’ll be asked to remove any metal items like jewellery or belts and a gown may be provided if needed. You might be asked to empty your bladder, especially for abdominal or pelvic scans.

An IV line will be inserted to inject the radioactive tracer, and in some cases, a quick pre-scan may be performed. After the injection, you’ll rest quietly for 30-60 minutes to allow the tracer to circulate through your body.

If necessary, a urinary catheter may be inserted to drain urine during the scan. You’ll then lie on a flat table that slowly moves through the PET scanner, with the imaging process taking about 20-45 minutes. Once the scan is complete, the IV and any catheter will be removed and you can usually leave shortly after.

Are there any side effects of PET scan?

PET scans are generally safe, and side effects are rare. The level of radiation used is low and usually leaves the body within 24 hours. Allergic reactions to the tracer are not common. They are usually mild. The scan is generally avoided during pregnancy or breastfeeding unless it is necessary. Additional preparation may be required for individuals with diabetes, as their blood sugar levels can affect how the tracer is absorbed.

Role of health insurance while getting a PET scan

Many health insurance plans cover PET scans when prescribed for cancer or as part of hospitalisation. You need to check if your policy includes scan and tracer charges, outpatient diagnostics and follow-up care. You might need prior approval and a valid prescription to submit claims.

Conclusion

A PET scan offers doctors a detailed view of internal body functions, often detecting issues before symptoms appear. It plays a crucial role in diagnosing and managing conditions such as cancer, heart disease and neurological disorders. Given the higher risk of such health concerns with age, having a comprehensive policy, such as senior citizen health insurance, can ease the financial burden of timely diagnosis and treatment.

FAQs

• How does a PET positron emission tomography scan work?

A PET positron emission tomography scan involves a radioactive tracer that highlights how your body’s organs and tissues are working internally.

• What are common uses of PET imaging scan?

The uses of PET imaging include diagnosing tumours, monitoring neurological disorders and evaluating heart health.

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

Have you ever had an upset stomach after consuming food from outside? Or found hair in a meal that you got from an eatery? All these are signs of poor food hygiene.

India has a dynamic street food culture, and eateries are busy every day. Here, food hygiene plays an essential part in keeping everyone healthy and safe. Poor hygiene can also cause hospitalisation, food poisoning and even infection.

This blog shares some useful information about food & hygiene, hygiene ratings, food safety and how to safeguard yourself from all the foodborne illnesses.

What is food hygiene?

Food hygiene is known as the precautions and practices that are taken when handling the serving, storage, and preparation of food products to ensure it is safe to consume.

This includes:

• Washing the utensils and hands properly.
• Cook food items at the right temperatures.
• Storing cooked and raw items separately.
• Maintaining cleanliness in the food storage and kitchen spaces.

What is a food hygiene rating?

A food hygiene rating reflects how well a food business is managed, cleaned, and kept safe. In many nations, this is required legally, but in India, FSSAI provides the hygiene ratings to manufacturers, food trucks, restaurants and even hotels.

The table below will give you a clear idea of what the food hygiene rating is based on:

Is food hygiene the same as food safety?

Many individuals think that food safety and food hygiene are the same. That’s not true, but they are certainly connected.

What is the importance of food hygiene?

Knowing what is food and hygiene is not enough, specifically in India, where foodborne ailments are common. Here are some reasons that make food hygiene so crucial:

• Lowers food wastage: Proper storage and hygiene can prevent food items from spoiling early.
• Prevents diseases: Clean food reduces the risk of infection, such as food poisoning, typhoid, and diarrhoea.
• Builds consumer trust: In cafes and eateries, hygiene attracts more consumers and also builds an excellent reputation.
• Safeguard vulnerable individuals: Children, older adults and even pregnant women are at a high risk from contaminated food items.

What are the key food hygiene guidelines?

To follow excellent hygiene and receive a proper food and hygiene rating, here are some guidelines:

Food hygiene facts and tips for personal hygiene

Many foodborne problems don’t come from food but the individual serving or preparing it. Below are some tips and facts about personal hygiene:

Tips:

• Trim the nails and don’t wear jewellery while cooking.
• Tie back the long hair and also wear hair covers.
• Use tongs and gloves while serving food.
• Wash the towels and aprons regularly.
• Don’t serve or cook food if you’re sick or have any open wounds.

Facts:

• Dirty hands can carry a lot more germs than the toilet seat.
• A sponge used for 1 week might consist of billions of bacteria.
• Reusing the cooking oil several times can increase the risk of cancer-causing compounds.

Role of health insurance in foodborne illnesses

Here is why health insurance is important:

• Hospitalisation cover: When you suffer from food poisoning or a severe infection which requires hospital treatment, the policy can cover it.
• Diagnostic tests: Stool and blood tests needed to locate the cause of the illness can be reimbursed.
• Outpatient benefits: Some policies cover physicians’ consultation fees even without admission.
• Preventive health check-ups: Yearly tests can help track your gut health, immunity and liver function.

Conclusion

In India, where food is central to celebrations and culture, clean food means taste and safety. Follow hygiene practices, check FSSAI ratings, and maintain personal hygiene to prevent foodborne illnesses.

It’s also crucial to have a critical illness insurance plan to cover medical expenses for an infection, food poisoning or other illnesses.

FAQs

What is food hygiene in simple words?

It's a way to keep all food items safe and clean by following correct methods while serving, storing and preparing them.

What is the distinction between food safety and food hygiene?

Food hygiene concentrates on habits and cleanliness, and food safety is a much bigger concept that consists of quality checks, storage rules, laws and hygiene.

Who provides food hygiene ratings in India?

FSSAI is known to offer hygiene ratings to all food businesses and eateries in the country.

Can food poisoning be covered under the health plan?

Yes. When hospitalisation or medical tests are required, most health policies cover all foodborne 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.

Food is essential, but in India, its quality can vary widely depending on its source, handling and processing. From packaged snacks to fresh produce and restaurant meals, safety depends on strict quality checks. Food Quality Assurance (FQA) ensures that what you eat is clean, safe and meets set standards. Without it, risks of contamination and foodborne illnesses increase. This blog explains what FQA is, why it matters and its role in protecting consumers.

What is food quality assurance?

The food quality control is a systematic method of making sure that all food products fulfil defined quality standards before they reach the consumers. It’s not just about testing the end product, but it also involves every phase of the food supply chain, including raw material selection, proper handling and storage, hygienic packaging and processing, safe transportation and final delivery.

What is food quality?

Food quality refers to the characteristics that make a product safe, nutritious and enjoyable. It involves ensuring safety from harmful toxins, chemicals and bacteria. It also means providing adequate nutritional value with essential vitamins, minerals and proteins.

Compliance with FSSAI standards and local regulations ensures the product meets legal and safety requirements.

Importance and benefits of food quality assurance

The quality control on food is crucial not just for businesses but also for public and consumer health. Here are the benefits that food quality assurance offers:

For businesses:

• Safeguarding against all fines and legal problems.
• Builds loyalty and trust among consumers.
• Aids in marketing competitiveness and brand building.

For public health:

• Supports the government's efforts to enhance national health.
• Reduces outbreaks of conditions like food poisoning, typhoid and salmonella.

For customers:

• Guarantees that all nutritional labels are accurate.
• Make sure the food is safe to consume.
• Lowers the dangers of all the foodborne conditions.

Common food quality assurance methods

The quality control in food industry uses various systems and methods to guarantee high standards. The table below will provide you with a clear understanding: 

Challenges and how to overcome them

Ensuring food quality is challenging in India due to the industry’s vast size and diversity. Here are key challenges and ways to address them:

Common challenges:

• Lack of awareness: Small food vendors might not know proper food safety methods.
• Inconsistent infrastructure: Having poor storage facilities can cause contamination.
• Counterfeit products: Low-quality or fake ingredients found in the market.
• Supply chain problems: Poor transport and delays can spoil the food.
• Cost pressures: Some businesses are said to cut corners to save funds.

Solutions for these challenges:

• Government training programmes for all the small food businesses.
• Investing in good transport, refrigeration and storage facilities.
• Conducting consumer awareness campaigns to demand much higher standards.
• Periodic inspections and stricter fines for violations.
• The usage of QR codes for transparency and traceability.

Role of health insurance in managing food-related illnesses

Even with strong quality assurance in the food industry, foodborne diseases can still occur and treatment can be costly. A health insurance plan can help manage these expenses by covering hospitalisation, diagnostics and outpatient consultations. Many policies also offer preventive check-ups to detect deficiencies or early illness, while family floater plans protect all household members,especially useful if multiple people are affected by the same incident.

Conclusion

Quality assurance in the food industry is more than a technical requirement; it’s a commitment to health, trust and safety. In India’s expanding food sector, from exporters to street vendors, following proper standards helps prevent disease, protect reputations and support economic growth.

Consumers should choose FSSAI-certified businesses, reputable brands and check labels. An added safeguard is critical illness insurance, which provides financial protection if serious health issues arise from foodborne illnesses or other medical emergencies.

FAQs

• Who handles the food quality assurance in India?

FSSAI monitors and sets all the food quality and safety standards in the country.

• What’s the distinction between food safety and food quality?

Food quality is all about safety, nutrition, taste and freshness. Food safety is about stopping harm from contamination.

• What are the common quality assurance techniques?

Lab testing, periodic audits, ISO 22000, HACCP, etc.

• Can street food fulfil the standards of quality assurance?

Yes. When vendors follow correct cooking, storage, and hygiene practices, they can meet the quality assurance standards.

• How do customers inspect food quality before purchasing?

They should look for expiry dates, clear labels, proper packaging and FSSAI license numbers.

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.

In India, the National Nutrition Week is the time when people focus on the importance of nutrition and healthy eating. This is celebrated every year in the 1st week of September. It reminds people how the food items that they consume affect their health, overall life and energy.

With the rising health issues and changing lifestyle, proper nutrition has become essential. This blog further explains the National Nutrition Week, why it’s celebrated, how to enhance the diet and much more.

National Nutrition Week history

In India, the Nutrition Week was first started by the Ministry of Women and Child Development way back in 1982. Similar health awareness initiatives across the globe have inspired it. It mainly focuses on spreading knowledge about the significance of nutrition in day-to-day life.

Over the years, it has become a national-level programme where people from health departments, NGOs, hospitals and even schools have participated. Each year, a new nutrition week theme is introduced to concentrate on a certain issue, like the role of millets, women’s health, or malnutrition in children.

Significance of National Nutrition Week

India is a nation with extremes, while some individuals suffer from obesity because of poor eating habits, others still suffer from anaemia and malnutrition. It has been reported that 39% to 75% of children under the age of 5 are underweight. Furthermore, many adults are overweight but lack proper nutrients. The deficiency of vitamins, protein and iron is common in rural and urban areas.

The nutrition week plays a massive part in the following ways:

• Encourages individuals to include seasonal and local foods in their diet.
• Promoting healthy eating habits.
• Addressing the common food myths.
• Educating individuals about a balanced diet.

Why celebrate National Nutrition Week?

Celebrating and knowing about National Nutrition Week offers countless benefits to the families, individuals and the nation as a whole:

1. Promotes a healthy lifestyle

It will encourage individuals to eat right, reduce junk food and work out. The week also builds awareness about all lifestyle conditions such as obesity, high blood pressure and diabetes.

2. Aids in lowering malnutrition

The week educates all the parents on feeding teenagers, toddlers and infants correctly. It also helps NGOs and the government to reach all those areas where malnutrition is still a massive issue.

3. Supports economic development

Having a healthy population means much better productivity at work and fewer sick leaves. Apart from that, there will be less spending on all the hospital treatments for preventable conditions.

4. Empowers children and women

The week keeps its focus on nutrition in childhood and pregnancy. It also promotes healthy weaning and breastfeeding practices.

Ways to improve nutrition & nutritional intake

The table below shows how to improve nutritional intake:

Role of health insurance in diet & nutrition

What type of role does health insurance play? Here’s what to know:

• Covers for preventive health check-ups: It can help you understand the nutrient deficiencies or health dangers early on.
• Dietitian consultations: Many insurance policies now cover diet counselling and nutritionists.
• Hospitalisation for nutritional deficiency diseases: If you’re ever hospitalised because of problems like severe anaemia, some policies offer coverage for it.
• Wellness programmes: Insurers provide rewards, discounts and fitness points for healthy habits.

Picking an individual health insurance plan that contains preventive care can lower all your long-term health expenses with no hassle.

Conclusion

In India, where food diversity is rich but awareness is still catching up, knowing about Nutrition Week is crucial, as it encourages individuals to make proper food choices. Furthermore, if you’re an older adult, parent, working adult or a student, making small changes in the diet can make a massive difference.

Also, don’t forget about opting for a health plan, as it can cover all the medical expenses in case of any nutritional deficiencies or other health issues.

FAQs

When is the National Nutrition Week celebrated?

The week is celebrated from 1st to 7th September each year in India.

What is the theme for this week in 2025?

The official theme gets announced by the Ministry of Women and Child Development closer to the date every year.

Who can take part in the Nutrition Week program?

Anyone can participate in this programme, right from individuals and health workers to NGOs, colleges and even schools.

How to start eating healthy at home?

You can begin by making small changes such as adding more vegetables and fruits, lowering the sugar and salt intake, etc.

Do the nutritionist's visits fall under the health policy?

Some policies do include preventive care or diet consultations. You should contact the insurance provider for more information.

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

Medical care can look different for everyone. It all depends on the nature and urgency of the treatment. OPD (Outpatient Department) and IPD (Inpatient Department) treatments are two of the forms of medical care. People often consider them similar; however, there is a difference between OPD and IPD.

Let’s explore OPD vs IPD to make an informed decision about your treatments.

What is IPD (Inpatient Department) treatment?

IPD treatment is a form of medical care where a patient is formally admitted to a hospital to stay for at least one night. This type of care is typically provided for more serious health issues that require constant monitoring from medical professionals.

What is OPD (Outpatient Department) treatment?

While OPD treatment is a type of medical care where the patient visits a hospital or clinic for consultation, diagnosis or minor procedures that do not require an overnight stay. It is often used for situations where medical attention is needed, but the condition is not severe.

Key differences between OPD & IPD

Learning the OPD and IPD difference can help you choose the right type of care:

Factors to consider while choosing between OPD & IPD

The selection between OPD and IPD often depends on several factors. Here is what to keep in mind:

• Severity of the condition: If there are minor ailments like seasonal flu, headaches or skin allergies, they can easily be treated with OPD treatment. However, conditions like high-risk surgeries often require continuous care; hence, you need an IPD treatment.
• Doctor’s recommendation: If your doctor says you require close observation and you need to be admitted to the hospital overnight, it is best to follow that guidance.
• The type of treatment needed: OPD vs IPD also depends on the type of procedure you are going to have. For example, vaccinations, diagnostic tests or prescription renewals are managed on an OPD basis.
• Cost and time considerations: OPD medical care is usually quicker and less expensive. You can consider it if you have any constraints with time or finance, and your condition allows.
• Availability of support at home: If you live alone or do not have proper support and supervision at home after any major treatment, opting for IPD treatment might be a good idea for faster recovery.

Common treatments covered under OPD & IPD

OPD treatments include general physician visits, dermatology, ENT and orthopaedic consultations, along with diagnostics like blood tests, X-rays, ultrasounds and ECGs. Minor procedures such as dental cleanings, eye exams and wound dressings are also covered.

IPD treatments involve more intensive care, such as surgeries (appendectomy, hernia repair), childbirth (normal and C-section), cancer therapies (chemotherapy, radiation) and treatment for serious infections like dengue or pneumonia. They also include joint replacements, dialysis, cardiac procedures, ICU care and post-operative recovery requiring hospital admission.

How to choose the right coverage in your health insurance?

Having the right health insurance coverage can help you manage your medical expenses more effectively. Start by assessing your healthcare needs. If you frequently visit doctors, an OPD cover may be beneficial.

Be mindful of OPD limits, as some policies cap claims or restrict the number of visits. Also, consider the insurer’s network of hospitals. Wider networks can simplify cashless claims for both OPD and IPD care.

Lastly, opt for a personalised plan, such as individual health insurance, for more tailored and flexible coverage.

Conclusion

Learning the difference between OPD and IPD can help you make smarter and informed healthcare choices. Having an in-depth understanding of these can also be helpful when evaluating health insurance options. Also, the right balance of OPD and IPD care in your health insurance plan can make a significant difference in managing medical expenses effectively.

FAQs

• Are diagnostic tests covered under OPD or IPD?

Yes, basic diagnostic tests are often part of OPD treatment.

• Can a health insurance plan include both OPD and IPD cover?

Yes, some plans offer combined OPD and IPD coverage or OPD as an add-on.

• Is a prescription considered part of OPD treatment?

Yes, consultations that result in prescriptions fall under OPD 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.

World First Aid Day is an important reminder about the power of simple, life-saving actions. It offers organisations an ideal opportunity to strengthen their focus on emergency preparedness, workplace safety and employee well-being. Even a basic understanding of first aid can make a critical difference in a person’s chances of recovery, no matter how severe the situation.

Here’s what World First Aid Day is all about, and practical ways to celebrate it meaningfully in the workplace.

What is World First Aid Day?

World First Aid Day, observed on the second Saturday of September each year, aims to raise awareness about how first aid can minimise injuries and save lives. Anyone can learn these essential skills, and taking quick action during an emergency can significantly reduce the risk of long-term injury.

History of World First Aid Day

International First Aid Day was launched in 2000 by the International Federation of Red Cross and Red Crescent Societies (IFRC) to teach people how to assist others during emergencies. While the date varies each year, the message remains constant: be prepared, act quickly and save lives.

What is the meaning of the first aid kit sign?

The first aid kit sign is a visual indicator, often a symbol or text, that clearly marks the location of a first aid kit. It has a green background with a white cross, or a red cross on a white background, ensuring it's easily identifiable in case of an emergency.

Importance of World First Aid Day at work

Workplaces, with their constant activity, can face accidents such as slips, burns, cuts, fainting or even heart problems at any time. First aid knowledge helps reduce panic, enables staff to respond quickly before professional help arrives and fosters a safety-first culture.

How to observe World First Aid Day in the workplace

Celebrating this day at work can be fun, engaging and educational. Here are some simple world first aid day activities:

• First aid training session: Arrange a certified trainer to conduct hands-on lessons covering CPR, bandaging, burn care and other essential techniques.
• Mock emergency drills: Simulate real-life emergency scenarios to help staff practise staying calm and acting quickly under pressure.
• Quiz or poster competitions: Organise activities that encourage employees to test their first aid knowledge and use engaging, informative posters to reinforce key steps.
• Check and refill first aid kits: Inspect workplace first aid kits to ensure items are in date, fully stocked and include essentials like bandages, gloves and antiseptic.
• Create a first aid volunteer team: Select and train employees as designated first aiders, and display their names and contact details in visible areas for quick reference.
• Teaching resources for first aid: Make use of free online videos, printable step-by-step guides, mobile apps and local community workshops to enhance learning.

Are there any teaching resources for first aid?

Many first aid resources are available online and offline, including free instructional videos, printable step-by-step posters, mobile apps with emergency guidance and local community workshops. These resources cover essential topics such as treating cuts, burns and fractures; performing CPR; assisting someone who is choking or unconscious; and responding to electric shocks or heart attacks.

Role of health insurance in first aid

First aid is the first response in an emergency, but medical care is often needed afterward. That’s where health insurance steps in. It helps cover emergency hospital visits, treatment for injuries or sudden illnesses and supports regular check-ups and preventive care.

Many employers also offer group health or critical illness insurance, providing employees with additional protection and financial support for serious medical conditions.

Conclusion

World First Aid Day is more than just a date. It’s a reminder that anyone can learn to save a life. In the workplace, it’s a chance to improve safety, train employees and build a caring environment. You don’t need to wait for an emergency. Start preparing today. Celebrate World First Aid Day at work by learning, practising and spreading awareness, while also considering benefits like critical illness insurance to provide extra protection for your team.

FAQs

• When is World First Aid Day celebrated?

World First Aid Day is always celebrated on the second Saturday of September every year.

• Is first aid training expensive?

Not always. Many organisations offer low-cost or even free training. Online resources are also available for self-learning.

• What should be in a basic first aid kit at work?

A basic kit should have plasters of all sizes, sterile gauze pads, bandages and tape, scissors and tweezers, gloves, antiseptic wipes or cream and painkillers (as per company policy).

• Is it legally required to have a first aid kit at work?

In most places, yes. Workplaces must have at least one accessible first aid kit, depending on the number of employees.

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 eagerly anticipating your income tax refund? Monitoring the status of your refund is simpler than you may realise. Whether you’ve filed your return online or offline, monitoring your refund status provides peace of mind and helps you plan your finances better. Here’s a step-by-step guide on how to check your income tax refund status effortlessly.

Steps to Check Income Tax Refund Status

If your refund due has been determined after 31st March 2023, follow these simple steps:

Visit the Official Income Tax Portal: Head to the official Income Tax e-filing portal by clicking on the following link: https://eportal.incometax.gov.in/iec/foservices/#/know-refund-status/user-information.

Enter Required Details: Once on the portal, you’ll be prompted to enter specific details. Start by providing your PAN (Permanent Account Number) and the Assessment Year for which you want to check the refund status. Ensure accuracy in entering these details to avoid any discrepancies.

Provide Contact Information: Next, enter your registered mobile number. This step is significant as it safeguards your account’s security and enables tax authorities to communicate any updates regarding your refund status conveniently.

Click Continue: After entering all the necessary information, click the ‘Continue’ button. The portal will validate the details provided and initiate retrieving your refund status.

Check Status: Once the system verifies your details, it will display the status of your income tax refund on the screen. You’ll be able to see whether your refund has been processed, if it’s under process, or any other relevant information regarding the status of your refund.

Stay Updated: It’s advisable to regularly check your refund status to stay informed about any changes or updates. The Income Tax Department often provides real-time updates on refund status, ensuring transparency and efficiency.

By following these straightforward steps, you can effortlessly monitor the status of your income tax refund and stay informed about any updates regarding your refund claim. Additionally, monitoring your refund status allows you to promptly address any issues or discrepancies, ensuring a hassle-free experience.

Conclusion

Staying informed about how to check ITR refund status is essential for every taxpayer. It ensures transparency and allows you to track the progress of your refund efficiently; much like how health insurance provides a safety net for unexpected medical expenses, monitoring your ITR refund status offers financial reassurance and empowers you to manage your finances responsibly. By adhering to the steps detailed in this blog, you can seamlessly navigate the process and guarantee timely receipt of any refunds owed to you. So, make it a habit to check your ITR refund status regularly to stay on top of your tax-related matters and achieve greater financial peace of mind.

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.

Losing your vision is scary and can change everything. Thankfully, modern eye surgery can often restore sight and stop further damage in some cases. However, the financial aspect is not always clear. In India, insurance may cover some procedures and exclude others, depending on the condition and the policy. This makes it necessary for you to understand what eye surgery includes, when it is needed, how much it costs and how insurance can help.

What is eye surgery?

Eye surgery for vision involves treating conditions of the eye through surgical procedures that may include lasers, incisions or implants like intraocular lenses. These surgeries are done to correct vision problems, repair damage or prevent further complications.

What conditions are treated with an eye surgery?

Eye operation is used to treat a wide range of conditions that affect vision or eye health. They include:

• Cataracts: Clouding of the eye’s natural lens that causes blurry or dim vision.
• Refractive errors: Issues like nearsightedness, farsightedness, astigmatism and presbyopia.
• Glaucoma: An increase in eye pressure that may harm the optic nerve.
• Retinal detachment: The Retina pulls away from its normal position at the back of the eye.
• Ptosis: Sagging of the upper eyelid that may interfere with vision.
• Eye cancer: Abnormal growths or tumours that may require removal.
• Injuries: Trauma to the eye, such as open globe injuries.
• Corneal diseases: Conditions like keratoconus that may need corneal transplants.

Different types of eye surgeries

Let us now understand what the different types of eye surgery are:

• Vision correction surgery: It includes LASIK, PRK and SMILE. These laser procedures reshape the cornea to correct refractive errors, like myopia, hyperopia and astigmatism.
• Cataract surgery: This involves taking out the eye’s clouded natural lens and implanting a clear artificial intraocular lens in its place.
• Vitrectomy: This procedure involves eliminating a gel-like substance called vitreous from inside the eye. It is usually done in cases of retinal detachment, macular holes or diabetic retinopathy.
• Glaucoma surgery: These are trabeculectomy or tube-shunt procedures. They help lower intraocular pressure to prevent further damage to the optic nerve.
• Strabismus surgery: This surgery treats eye misalignment by repositioning or tightening the eye muscles to improve coordination.
• Corneal transplant (keratoplasty): It replaces damaged or diseased corneal tissue with healthy donor tissue.
• Eyelid surgery (blepharoplasty): This surgery is performed to remove excess skin or correct drooping eyelids.
• Eye removal (enucleation): In rare cases of severe trauma, cancer or infection, the entire eyeball may need to be removed to protect the patient’s health.
• Open globe injury repair: This is an emergency surgery done when the eyeball is ruptured or punctured, often as a result of blunt force or accidental injury.

What is the cost of eye surgery in India?

Here is a general breakdown of the cost of eye surgeries in India:

Why should you buy health insurance for eye surgery and what does it cover

Eye surgeries like cataract removal, glaucoma treatment or retinal procedures can be expensive. Eye surgery insurance coverage helps ease this financial burden by covering hospital stays, the surgery itself, diagnostic tests and follow-up visits. Many insurers also offer cashless treatment at network hospitals, reducing out-of-pocket expenses.

Most health insurance policies cover medically necessary eye surgeries such as cataract removal (with standard intraocular lenses), glaucoma surgeries like trabeculectomy, vitrectomy for retinal issues, corneal transplants and surgeries after eye injuries. Strabismus correction is also typically included.

However, elective or cosmetic procedures like LASIK, PRK, SMILE, eyelid surgeries and premium lenses are usually excluded unless your policy specifically mentions them. LASIK may be covered only in special cases, such as a refractive error above 7.5 dioptres or when glasses or lenses cannot be used due to medical or physical constraints.

How to claim health insurance for eye surgeries?

Here’s how you can claim health insurance for eye surgery:

1. Pre-authorisation: Submit your doctor’s reports and a cost estimate to the insurer in advance for planned procedures like cataract surgery.
2. Choose a network hospital: This allows for cashless treatment, where the insurer deals directly with the hospital through a TPA.
3. Submit documents: Keep the discharge summary, prescription, test reports, itemised bills and your insurance details ready.
4. Reimbursement if not cashless: Send all documents to your insurer within 7–15 days after discharge if you have paid upfront.
5. Check waiting periods: Many policies have a 1–to 2–year wait for surgeries such as cataract or LASIK procedures.
6. If rejected: Ask your doctor for a written explanation and file an appeal with supporting documents.

Conclusion

For many people, eye surgery is often necessary to prevent severe vision loss. The good news is that many procedures are now covered by health insurance in India. Eye surgery cost are also on the rise, so a health insurance plan that includes eye care can offer real financial relief. Just be sure to check what your policy covers.

FAQs

• Does health insurance cover eye surgery for vision correction?

Most insurers don’t cover eye surgery for vision unless it is medically necessary. Elective procedures like LASIK are usually excluded.

• What does health insurance for eye surgery usually include?

Health insurance often covers medically required treatments. However, it may not include cosmetic or elective options.

• Are all different types of eye surgery covered under eye surgery insurance coverage?

No, eye surgery insurance coverage depends on the type. Some plans exclude specific procedures, so it is important to check.

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.

In India, healthcare is a big challenge for many people, especially those from weaker sections of society. To help with this, the Jharkhand government launched a health insurance scheme called the Mukhyamantri Abua Swasthya Suraksha Yojana (MASSY). The scheme is meant to provide financial help and good health care services to families in need, protecting them from high medical expenses. Let’s take a quick and easy look at what this scheme is all about.

What is Mukhyamantri Abua Swasthya Suraksha Yojana (MASSY)?

The Mukhyamantri Abua Swasthya Suraksha Yojana is a health insurance scheme started by the Jharkhand government. It mainly helps those who were left out of the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY). Under MASSY, families get free health insurance coverage so they can get cashless treatment at hospitals.

Features of Mukhyamantri Abua Swasthya Suraksha scheme

Mukhyamantri Abua Swasthya Bima Yojana has many useful features that make it easier for poor families to get treatment:

• Insurance cover of ₹15 lakh for the family per year for secondary as well as tertiary health care
• Covers hospitalisation expenses for serious diseases and treatments.
• Cashless treatment at government and private hospitals linked with the scheme.
• Paperless system with e-cards for easy verification.
• Covers pre-existing diseases.
• Offers free registration. People do not need to pay anything to enrol.
• Wide network of empanelled hospitals inside and outside Jharkhand.
• No age limit for family members covered under the scheme.

Benefits of MASS policy

MASS scheme gives many important benefits, including:

• Provides health insurance protection worth up to ₹15 lakh per family
• Saves families from taking loans or selling assets during illness
• Makes sure poor people can go to private hospitals as well as government ones
• Gives peace of mind that treatment is available without worrying about cost
• Encourages people to get timely treatment rather than ignoring their health
• Covers most diseases and pre-existing illnesses
• No paperwork burden since everything is managed through e-cards
• Emergency hospital care can be accessed without delay

Eligibility criteria under Mukhyamantri Abua Swasthya scheme

The ABU Swasthya Bima scheme targets Jharkhand residents from weaker sections who are not covered under the central Ayushman Bharat scheme. Eligible families must be listed in the state’s socio-economic survey and have a valid ration card or other ID proof for verification.

How to apply for Mukhyamantri Abua Swasthya Suraksha Yojana?

The application process for MASSY is simple and hassle-free. Here's a step-by-step guide:

• Visit the official portal

Go to bis.jharkhand.gov.in.

• Login using mobile number

Enter your mobile number and get an OTP (One Time Password) on your phone. Put in the OTP and the captcha code to proceed.

• Search using the ration card

Enter your ration card number and captcha. Click on the “Search” button. The portal will show the list of family members linked to your ration card.

• Download the health card

If your details match your ration card and Aadhaar, you can download the health card. You can save the card for future use.

Documents required for Abua Swasthya Bima Yojana

To apply under MASSY, you need to have an Aadhaar card of all family members. It should be linked with a ration card. You also need residential proof (like voter ID or electricity bill).

Conclusion

The Mukhyamantri Abua Swasthya Suraksha Yojana is a big step by the Jharkhand government to provide quality health care to economically challenged families. While such government schemes offer valuable support, it’s still wise to invest in health insurance plans. It provides coverage against medical needs, hospital stays, surgeries and medicines in times of need.

FAQs

• What is the coverage amount under MASSY?

The MASSY scheme gives health insurance coverage of up to ₹15 lakh per family per year.

• Who can apply for MASSY?

Families living in Jharkhand who are not covered under Ayushman Bharat can apply.

• Is pre-existing disease covered?

Yes, all pre-existing illnesses are covered.

• Can I get treatment at private hospitals?

Yes, you can go to any private or government hospital for cashless treatment.

• How to get the MASSY card?

You can apply at your nearest Pragya Kendra or CSC and get an e-card after registration.

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 Swasthya Sathi scheme was launched by the Government of West Bengal in 2016. Designed to provide affordable and comprehensive medical coverage, it offers families in West Bengal up to Rs 5 lakh per year for hospitalisation and treatment of a wide range of illnesses, including pre-existing conditions from day one.

If you live in West Bengal, read on to learn everything you need to know about this government-backed healthcare initiative.

What is the Swastha Sathi scheme?

Swasthya Sathi Scheme is a health insurance scheme initiated by the West Bengal government to provide medical care to its citizens. The scheme provides comprehensive coverage for all medical treatments and hospital procedures to enable people to obtain timely and proper treatment without financial burdens.

Features of the Swasthya Sathi scheme

Here are some of the key features of the Swasthya Sathi scheme:

1. Comprehensive coverage: The Swasthya Sathi coverage includes a comprehensive range of healthcare services such as hospitalisation, surgeries, diagnostic tests, outpatient consultations and essential medicines.
2. Cashless treatment facility: Beneficiaries can have treatment without paying upfront at empanelled hospitals across West Bengal.
3. Entire family covered: A single smart card entitles every family member, from children to the elderly, to equal medical benefits.
4. No limit on family size: This makes it especially beneficial for larger families, ensuring that no one is left out of health coverage.

Benefits of the Swasthya Sathi Health scheme

The Swasthya Sathi card benefits people who need medical assistance during medical emergencies without any financial burden. Here are its benefits:

1. Coverage up to ₹5 lakh: Each family is entitled to annual health insurance plans of up to ₹5 lakh. This includes both secondary and tertiary level medical care.
2. Pre-existing illnesses covered: The scheme provides coverage for existing health conditions from the day of enrollment, ensuring no one is left out due to prior illness.
3. Family-wide coverage: The number of family members covered is not restricted. The scheme also includes in-laws and dependent members with disabilities.
4. No premium from beneficiaries: The full premium is paid by the West Bengal government, which means families do not have to contribute anything financially.
5. Cashless hospitalisation: The costs for doctor visits, diagnostic tests and medicines are covered starting from one day before admission.

Eligibility criteria for the Swasthya Sathi scheme

Before applying, check if you meet the eligibility criteria for the scheme. You must be a permanent resident of West Bengal and not covered by any other health insurance. Eligible groups include domestic helpers, street vendors, contract labourers, small farmers, civic volunteers and select categories of state government staff who are automatically included.

How do you apply for the Swasthya Sathi scheme online?

To Swasthya Sathi card apply online, follow these steps:

1. Check out the official Swasthya Sathi Scheme website at https://swasthyasathi.gov.in.
2. Click on the “Apply Now” button.
3. Fill out the online application form with the correct personal and family details, including income information.
4. Upload the important documents, such as identification proof, address proof and income certificates.
5. Submit the application form online.
6. After the application is approved, beneficiaries will receive their Swasthya Sathi cards by mail.

What documents are required to apply for the Swastha Sathi scheme?

When you apply for the Swastha Sathi scheme, you’ll need Aadhaar card number, khadyasathi ration card number, registered mobile number, employment status of the member and important Legal Domicile Document

Conclusion

The Swasthya Sathi Scheme has proved to be a major leap towards better healthcare in West Bengal.

However, while such schemes are helpful, it is still wise to invest in comprehensive coverage like senior citizen health insurance to ensure added protection and peace of mind, especially for older family members.

FAQs

• Who can apply for the Swasthya Sathi scheme?

Swasthya Sathi card eligibility particularly targets individuals from financially disadvantaged backgrounds as well as government employees.

• How much health coverage does the scheme provide?

The scheme aims to provide up to Rs 5 lakh per family annually for primary, secondary and tertiary care.

• How do I get the Swasthya Sathi card?

When you enrol under the scheme, an online Swasthya Sathi card with all your family information, including photos, mobile numbers and health history, will be issued via the internet.

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.