The Chief Minister Arogya Arunachal Yojana (CMAAY) is a flagship health initiative launched by the Government of Arunachal Pradesh. It aims to make quality healthcare more accessible and affordable for the people of the state. By focusing on financial protection and healthcare inclusion, the scheme reflects the state's commitment to the well-being of its citizens.

What is Chief Minister Arogya Arunachal Yojana (CMAAY)?

The CMAAY is a healthcare programme initiated by the Department of Health and Family Welfare, Government of Arunachal Pradesh. It focuses on providing quality, cashless healthcare services to the indigenous people of the state. It seeks to ease the financial burden of medical treatment by ensuring access to essential secondary and tertiary healthcare without out-of-pocket expenses. Beneficiaries can seek medical care at selected government and private hospitals within and outside Arunachal Pradesh.

Objectives of CMAAY

The goals of the CMAAY scheme are

• To ensure health coverage for all in Arunachal Pradesh by 2030
• Eliminate the gaps in the secondary and tertiary healthcare sectors
• Enhance the efficiency of the public healthcare system

Benefits of the CMAAY scheme

The Chief Minister Arogya Arunachal Yojana is a true lifesaver for those registered under the scheme. The CMAAY benefits include:

• Comprehensive coverage: Each family is entitled to cashless treatment up to ₹5 lakh annually, with ₹4 lakh allocated for tertiary care and ₹1 lakh for secondary care.

• Pre and post-hospitalisation expenses: The scheme covers expenses incurred up to 3 days before hospitalisation and up to 10 days post-discharge, including medicines and diagnostic tests.

• Wide network of hospitals: The scheme includes a network of empanelled hospitals both within and outside Arunachal Pradesh, ensuring broader access to healthcare facilities.

• Coverage of pre-existing conditions: Unlike many insurance plans, CMAAY covers pre-existing medical conditions, offering a safety net for vulnerable individuals.
  
  
• No age limit: There is no age restriction for beneficiaries, ensuring that all family members are covered under the scheme.
  
  
• Support for Economically Weaker (EW) sections: CMAAY aims to reduce the financial burden of medical expenses, particularly for the economically weaker and tribal communities in the state.

Eligibility criteria under CMAAY

The following categories are eligible for enrolling in the CMAAY scheme programme:

• Individuals belonging to one of the tribal communities recognised by the government of Arunachal Pradesh.
• Non-tribal applicants must be legal residents of Changlang, Lohit or Namsai District.
• Backward community members belonging to Arunachal Pradesh, such as Arunachal Pradesh Scheduled Tribes.
• Government employees and their dependents.

How to apply for CMAAY?

To apply for the Chief Minister Arogya Arunachal Yojana online and get the CMAAY card, applicants should follow the below steps:

• Go to the official CMAAY portal.
• Scroll to the bottom of the homepage and locate the "Enrolment" section.
• Click on ‘Apply Online’.
• Complete the enrolment form by filling in all mandatory fields, uploading the required documents and then clicking ‘Submit’.
• Once successfully enrolled, click the CMAAY card download option to get the e-card.

Documents required to apply for CMAAY

The CMAAY registration requires the following documents:

• Aadhaar card
  
  
• Birth certificate (mandatory for children under 5 years)
  
  
• Ration card
  
  
• APST certificate (mandatory for Arunachal Pradesh Scheduled Tribe applicants)
  
  
• Resident certificate (mandatory for Non-APST applicants)
  
  
• Government ID card (mandatory for government employees)
  
  
• Permanent land-holding documents
  
  
• Approved enrolment form

FAQs

• How do you apply for a CMAAY card offline?

Applicants can complete the offline enrolment process from the district coordinator station at the district court.

• What are the exclusions under the CMAAY policy?

Hospitalisation for diagnostics, dental and cosmetic treatments, treatments that do not require hospitalisation, etc., are not covered under the CMAAY scheme.

Conclusion

The central and state governments have launched many health insurance plans to make advanced medical treatments more affordable and accessible to all citizens. As a responsible individual, it's wise to enrol in these plans to enjoy comprehensive healthcare benefits at a minimal cost. For older adults, specialised senior citizen health insurance plans offer tailored coverage that addresses age-related medical needs without financial strain.

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

Starting or growing a small business requires more than just a great idea—it needs timely financial support. To facilitate this, the Government of India launched the Pradhan Mantri Mudra Yojana (PMMY) in 2015. The programme provides affordable, collateral-free loans to small entrepreneurs, thereby supporting employment generation and fostering inclusive economic growth.

What is Pradhan Mantri Mudra Yojana (PMMY)?

The Pradhan Mantri Mudra Yojana is a government-backed initiative that offers collateral-free loans to micro and small enterprises in the non-corporate, non-farm sector. These loans are disbursed through commercial banks, microfinance institutions (MFIs) and non-banking financial companies (NBFCs). The goal is to empower small business owners who traditionally struggle to secure loans through conventional banking channels.

Objectives of Pradhan Mantri Mudra Yojana

The main objective of the Mudra Yojana are:

• Encouraging financial inclusion by giving small enterprises loan access to underserved rural areas.
• Helping micro-enterprises and startups, therefore generating local employment.
• Supporting women-owned companies by means of preferential funding access.
• Formalising the unofficial sector by allowing such businesses to participate in the official one.
• Giving underprivileged groups the financial tools to engage in entrepreneurship and help raise their socioeconomic level.
• Reducing reliance on unofficial credit providers with often high interest rates and exploitative policies to help borrowers have more safe and reasonably priced financing choices.

Loan categories under PMMY scheme

The Pradhan Mantri Mudra loan is categorised into three types, based on the stage of the business:

• Shishu (up to ₹50,000): For businesses in their initial stages.
• Kishore (₹50,001 to ₹5 lakh): For businesses seeking growth capital.
• Tarun (₹5 lakh to ₹10 lakh): For well-established businesses needing funds for expansion.
• Tarun Plus: It covers loans above ₹10 lakhs with a ceiling value of ₹20 lakhs. The main aim is to refinance aid to Banks, MFIs and NBFCs for lending to small units.

These categories help entrepreneurs choose loans suitable for their business lifecycle.

Eligibility criteria of Pradhan Mantri Mudra Yojana

To apply for a Mudra loan, the applicant must:

• Be an Indian citizen, aged 18 years or older.
• Be an individual, proprietor, partnership firm, private limited company or any other eligible legal entity.
• Operate in manufacturing, trading or service sectors, including agriculture-related activities.
• Have no record of previous loan defaults with banks or financial institutions.

PMMY loan application process

You can either opt for an offline process or PM Mudra loan online apply process. Here are the steps:

1. Visit the official websites of participating banks or financial institutions.
2. Fill in the Pradhan Mantri Mudra Yojana application form with correct business details.
3. Upload or submit the required documents.
4. Await verification; once approved, the loan is disbursed to the applicant's bank account.

Offline applicants may visit their nearest bank branch.

Documents Required under PMMY

Applicants must provide the following documents during the loan application process:

• Completed PMMY scheme application form.
• Proof of identity: Aadhaar card, PAN card, Voter ID, etc.
• Proof of address: Utility bills, Aadhaar card or passport.
• Business proof: Trade licence, registration certificate or relevant documents.
• Quotation for machinery or goods to be purchased.
• Recent passport-sized photographs.
• Last six months' bank statements.

Additional documents may be requested depending on the loan amount and business type.

Benefits of Pradhan Mantri Mudra Yojana

Here are the benefits of the Pradhan Mantri Mudra Yojana loan:

• Formalising the informal sector

Brings informal micro and small enterprises into the formal financial ecosystem, improving transparency and credit history.

• Acts as an apex refinancer

MUDRA functions as a refinancing institution, supporting banks, NBFCs and MFIs to lend to micro units, enhancing liquidity in the sector.

• Indigenously designed architecture

The MUDRA model is tailored specifically for India's unique socio-economic landscape and the needs of its micro-enterprise segment.

• Inclusion of last-mile financiers

Empowers small MFIs and local lenders to reach the most remote and underserved entrepreneurs, fostering deep financial inclusion.

• Improved access to finance for micro enterprises

Reduces dependence on informal lenders by making formal credit accessible without collateral, especially to first-time borrowers.

• Lower cost of finance

Refinancing support and risk mitigation mechanisms help lower the interest rates for borrowers, making credit more affordable.

• Credit-plus approach

Beyond loans, the scheme also encourages financial literacy, business mentoring and skill development to ensure sustained enterprise growth.

• Promotion of mass entrepreneurship

Encourages self-employment and small business creation at scale, leading to a broader base of grassroots entrepreneurs.

• Employment generation

Small businesses supported by MUDRA contribute significantly to job creation in local economies.

• Boost to GDP and economic growth

Enhanced microenterprise activity contributes to increased productivity, consumption and overall GDP growth.

FAQs

• What is the maximum loan amount under PMMY?

Loans of up to ₹20 lakh can be availed under the scheme.

• Is collateral required for a Mudra loan?

No, Mudra loans are completely collateral-free.

• Can the loan application be submitted online?

Yes, most banks offer online application facilities on their official websites.

• Are there special benefits for women entrepreneurs?

Women often receive preferential rates and are encouraged to apply under the scheme.

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

Conclusion

The Pradhan Mantri Mudra Yojana (PMMY) plays a vital role in promoting self-reliance, enhancing financial inclusion and enabling entrepreneurship. However, true financial preparedness goes beyond just securing business capital. This is where health insurance policy becomes equally important. Investing in policies like critical illness insurance can provide a safety net that ensures long-term financial stability. It helps reduce the burden of unexpected medical expenses by covering hospitalisation, treatment and other related costs, offering much-needed support during emergencies.

India's healthcare system is undergoing a significant digital transformation. As part of the Ayushman Bharat Digital Mission (ABDM), the government has instituted the Digital Health Incentive Scheme (DHIS) to encourage this shift. This programme guarantees improved access, efficiency and openness in healthcare services by promoting the adoption of digital health technologies among healthcare providers and digital solution companies.

To understand its impact better, let’s take a closer look at what the DHIS is and how it works.

What is Digital Health Incentive Scheme (DHIS)?

The DHIS, launched under the ABDM Ayushman Bharat framework, seeks to encourage faster adoption of digital health systems by offering financial incentives to healthcare institutions and health tech companies. Notably, the scheme has now been extended until June 30, 2025, giving more stakeholders the opportunity to participate.

The main goal of the DHIS is to build a strong digital health ecosystem, where people can easily access their health records, arrange appointments and even choose services like individual health insurance. The scheme rewards ABDM-compliant healthcare facilities and digital solution providers, thereby supporting deeper integration into India’s growing digital health infrastructure.

Benefits of DHIS

For patients as well as healthcare providers, participating in the Digital Health Incentive Scheme (DHIS) offers several key advantages:

• Digital records help healthcare professionals access patient information quickly, leading to timely treatment.
• Hospitals, clinics and labs that contribute data to the ABDM network receive monetary rewards.
• Less paperwork and faster processing improve overall efficiency—especially for treatments and insurance claims.
• Patients can safely access their health history anytime, with their data protected under ABDM’s secure framework.
• Digitally linked records make it easier to manage services like health insurance, including individual policies.

Eligibility under DHIS

Participating in ABDM DHIS requires specific eligibility requirements: 

• Registered and operational hospitals, clinics and diagnostic labs in India.
• Digital Solution Companies (DSCs) providing ABDM-compliant software.
• All entities must be ABDM-compliant and integrated with its ecosystem.
• Facilities must actively generate and link digital health records (e.g., prescriptions, lab reports, discharge summaries) to ABHA IDs.

Incentives under Digital Health Incentive Scheme

The incentives function as follows:

• Hospitals and clinics qualified for monetary incentives effectively produce and link patient data to ABHA IDs using ABDM.
• Companies offering ABDM-integrated software to labs or hospitals can also receive incentives, depending on how actively their client facilities contribute data.
• The more records a facility contributes, the greater the financial reward.

Documents required for ABDM DHIS

The following documents are required while applying for ABDM DHIS:

• Proof of establishment: Clinic, hospital or laboratory registration certificates.
• Valid bank account information.
• ABHA ID details for participating healthcare providers
• Certification or onboarding confirmation; user ID and credentials generated during ABDM registration

Proper documentation not only speeds up approval but also ensures continued eligibility for future benefits and upgrades.

How to register for DHIS?

Following the right procedures makes registering for the Digital Health Incentive Scheme simple.

• Visit the official ABDM webpage and select the DHIS registration option.
• Complete the registration form using exact facility or business information.
• Upload the required paperwork and offer ABDM compliance
• Link your facility to the ABDM Health Information Exchange (HIE) system.
• Start generating and linking digital health records to ABHA IDs.
• Track your data contributions and claim incentives as per the scheme guidelines.

Why do you need ABHA ID card for DHIS?

The ABHA ID is essential for participating in DHIS because:

• It provides a unique digital identity within the ABDM network.
• Only health records linked to an ABHA ID are eligible for incentives.
• It ensures faster access to healthcare services, diagnostics and insurance claims.
• It enables seamless continuity of care by storing lifetime health records across providers.

Healthcare facilities must encourage patients to ABDM register and create their ABHA IDs to maximise benefits under DHIS.

FAQs

• Who can apply for the DHIS incentives?

Hospitals, clinics, diagnostic labs and digital solution companies that are ABDM compliant can apply.

• Is it mandatory to have an ABHA ID to avail of DHIS benefits? 

Yes, health records must be linked to a valid ABHA ID for the records to be counted under the scheme.

• How can a hospital become ABDM compliant?

By registering on the ABDM portal and integrating digital systems that are compatible with the ABDM ecosystem.

• Are incentives the same for all types of facilities?

No, incentives vary based on the type of facility and the number of digital records generated.

• Does DHIS help in getting health insurance faster?

Yes, having linked digital health records can speed up processes related to health insurance and individual health insurance policies.

Conclusion

The Digital Health Incentive Scheme (DHIS) is a progressive step towards creating a seamless, secure and efficient healthcare ecosystem in India. However, even with such forward-looking initiatives in place, it's equally important to invest in individual health insurance. While digital health systems improve access and efficiency, a good health insurance plan offers financial protection against unexpected medical expenses

Rising medical expenses often hit harder than the illness itself. To ease this financial burden, the Meghalaya Health Insurance Scheme (MHIS) provides much-needed relief to families across the state. This government-supported health programme seeks to make healthcare acceassible to every resident of Meghalaya. Understanding how MHIS works—what it covers, who is eligible and how to apply—can be incredibly helpful if you or your loved ones have ever worried about the cost of hospital treatment.

What is Meghalaya health insurance scheme (MHIS)?

The Meghalaya Health Insurance Scheme (MHIS) is a health insurance initiative run by the Government of Meghalaya. It is designed to provide all eligible residents with free, cashless medical treatment, regardless of their financial background.

The scheme is open to all residents of Meghalaya, except for state and central government employees, who are covered under separate healthcare programmes.

Once enrolled, each beneficiary receives an MHIS smart card, which enables access to cashless treatment at empanelled hospitals across the state and throughout India.

Benefits of MHIS

MHIS coverage provides a wide range of benefits aimed at reducing the financial burden of medical treatment:

• People can avail of treatment at empanelled hospitals without any upfront payment by using the MHIS smart card.
• MHIS serves several government and commercial hospitals all throughout India.
• The programme provides health insurance for family members registered under it.
• MHIS offers a coverage value of up to ₹5.3 lakh annually for every family.
• Coverage includes surgeries, maternity services, cancer treatment and both routine and major medical procedures.

By offering affordable access to quality healthcare, MHIS allows patients to focus on their recovery rather than worry about financial strain.

Eligibility criteria for MHIS scheme

The main eligibility criteria of MHIS scheme are as follows:

• The applicant must be a resident of Meghalaya.
• There are no restrictions based on age or income—anyone can apply, including children and senior citizens.
• A valid government-issued ID, such as an Aadhaar card, is required at the time of enrolment.

Exclusions under MHIS

MHIS contains several exclusions, including:

• Cosmetic treatments like plastic surgery (apart from accident-related needs).
• Non-allopathic remedies including Homoeopathy or Ayurveda.
• Dental and visual treatments (save from those connected to an accident).
• Damage resulting from drug misuse or self-harm.
• Treatments carried out outside of empanelled hospitals.

Documents required for enrolling for MHIS

To register for the Meghalaya Health Insurance Scheme (MHIS), residents must submit the following documents:

• Aadhaar Card
• Recent passport-size photograph
• Domicile certificate or proof of Meghalaya residence
• Mobile number for communication

Once the documents are verified, the applicant will receive the MHIS smart card, which can be used to avail of healthcare services under the scheme.

How to enroll for MHIS?

Enrolling in the Meghalaya Health Insurance Scheme (MHIS) is a simple and straightforward process. Here's how you can apply:

1. Visit a Common Service Centre (CSC) or the nearest MHIS enrolment centre.
2. Submit the required documents as listed earlier.
3. Get your photograph taken for the MHIS card.
4. Undergo biometric verification through fingerprint scanning.
5. Once the process is complete, you will receive your MHIS smart card.

Additionally, the state government occasionally organises enrolment camps where you can register for the scheme.

Grievance redressal under MHIS

If you encounter any issue pertaining to the MHIS insurance, such as treatment concerns or claim rejections, a grievance redressal system is in place to assist you:

• Contact the MHIS helpline: You can reach out to the helpline number provided on the official MHIS website for support.
• File a complaint: Visit the nearest MHIS office or Common Service Centre (CSC) to register your complaint.
• Email the MHIS team: You can also send an email detailing your issue to the MHIS team.
• For quicker resolution, ensure you keep copies of all relevant medical and claim-related records.

The system is designed to provide prompt assistance, ensuring that individuals receive the necessary treatment and support without unnecessary delays.

FAQs

• What is the validity of the MHIS smart card?

Usually one year, however, it must be renewed once it expires.

• Can I use the MHIS card outside of Meghalaya?

The MHIS cards are accepted in empanelled hospitals all throughout India.

• How to find the MHIS claim status?

MHIS website or helpline lets you check your MHIS claim status. While MHIS has been integrated with PM-JAY (Ayushman Bharat) to offer comprehensive coverage to the people of Meghalaya, it's important to note that MHIS and Ayushman Bharat are distinct programmes.

• How much do I pay for enrolment?

Enrolment under MHIS is free for all qualified residents.

Conclusion

Health issues can arise unexpectedly, and the financial burden of medical expenses can often be overwhelming. This is where schemes like the Meghalaya Health Insurance Scheme (MHIS) become essential. Additionally, if you're considering more comprehensive insurance options beyond MHIS, it might be a good time to explore comprehensive health insurance for family. Many providers offer a wide range of medical insurance policies tailored to individuals, families and even vehicles, ensuring that you and your loved ones are fully protected.

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

The National Rural Health Mission NRHM initiative was launched by the Indian Government in 2005 to improve healthcare access in rural areas. The mission is transformative in delivering affordable, quality care to underprivileged populations.

This article highlights the key objectives, benefits, features and registration process of the NRHM, demonstrating how the scheme strengthens rural healthcare infrastructure and ensures access to better medical services for the population.

What is the National Rural Health Mission (NRHM)?

The NRHM or National Rural Health Mission is the Indian government's flagship program for addressing health disparities in rural areas. The NRHM policy operates under the National Health Mission (NHM). It focuses on strengthening health systems, ensuring maternal and child care and addressing major diseases through community-based interventions.

The rural health mission is pivotal in bringing healthcare to the rural Indian population by empowering local governance, hiring Accredited Social Health Activists (ASHAs) and improving infrastructure.

Objectives of the National Rural Health Mission

The rural health mission was created to deliver equitable, affordable, quality healthcare services to rural populations. The primary objectives include:

• Reducing infant and maternal mortality rates with better prenatal and postnatal care.
• Ensuring universal access to public healthcare by upgrading sub-centres and primary health centres.
• Controlling communicable and non-communicable diseases through immunisation and awareness programs.
• Strengthening preventive healthcare with a focus on hygiene, sanitation and nutrition.
• Promoting holistic healthcare by integrating Ayurveda, Yoga and other traditional systems.
• Encouraging decentralisation for better local control.

Benefits of NRHM scheme

The National Rural Health Mission scheme offers numerous advantages to rural communities in India. These include:

• Free healthcare services for pregnant women, infants and economically weaker individuals.
• Mobile medical units for remote villages that lack permanent medical facilities.
• Improved infrastructure in public health facilities and sub-centres for increased institutional deliveries.
• Widespread immunisation coverage for children under five.
• Free essential drugs and diagnostics are available in public health centres.
• Employment opportunities for rural women as ASHAs.
• Health insurance policy coverage for low-income families under schemes like Rashtriya Swasthya Bima Yojana (RSBY).
• Critical illness insurance support for severe medical conditions like cancer and heart conditions.

Features of the National Rural Health Mission scheme

The National Rural Health Mission scheme is built around some key features, including:

• Community participation: Local bodies and village health committees have decision-making power.
• ASHA Workers: Trained female health workers act as village health facilitators and educators.
• Decentralised planning: District-level health plans ensure resources are allocated based on local needs.
• Telemedicine services to connect rural patients with urban specialists.
• NRHM online application portal for easy registration and tracking of health services.
• Flexi-Pools: States get flexible funding for health infrastructure, HR and services.
• Integration with AYUSH: Promoting traditional systems of medicine like Ayurveda alongside modern care.

Eligibility for the NRHM policy

To enjoy the benefits under the NRHM scheme, applicants must meet certain criteria, including:

• Residency: Must be a rural area resident as defined by the government with limited access to healthcare.
• Special categories: Pregnant women, infants, children under five and senior citizens.
• Income: Preference is given to economically weaker families living below the poverty line.
• People suffering from communicable and lifestyle diseases in rural zones.
• The scheme also supports tribal populations and regions with historically poor health indicators, ensuring inclusive development.

How to register for the National Rural Health Mission scheme?

Applying for the NRHM is simple through the National Health Mission online apply process. Here are the steps you should follow:

• Visit the nearest health centre, Primary Health Centre (PHC) or the official NHM/NRHM portal.
• Contact the local ASHA worker who helps facilitate the registration process.
• Fill in personal and family details.
• Upload the necessary documents such as proof of residence, income certificate and health history if needed.
• Apply and note the reference number for tracking.

FAQs

• Is NRHM only for rural areas?

The rural health mission specifically targets villages and semi-urban regions with limited medical access.

• Can I apply offline for NRHM?

Applications can be submitted at local health centres or through ASHA workers.

• Does NRHM cover health insurance?

Yes, it includes health insurance policy components for eligible beneficiaries.

• What is the role of ASHA workers?

ASHAs facilitate immunisation drives, maternal care and health awareness campaigns.

Conclusion

The National Rural Health Mission has significantly improved India's rural healthcare. Through providing affordable, accessible and quality medical services, the scheme has bridged the healthcare gap dividing urban and rural populations. However, while the scheme provides essential support, it's equally important for individuals to consider investing in a personal health insurance policy, such as critical illness insurance, for added financial security. Such policies cover high-cost treatments for serious conditions like cancer, heart disease and stroke, offering peace of mind and protecting families from unexpected medical expenses.

Many health insurance programs introduced by the Indian government focus on affordable healthcare for economically weak people around the country. Janani Suraksha Yojana is a key program dedicated to improving maternal and neonatal health across India.

What is Janani Suraksha Yojana (JSY)?

The Janani Suraksha Yojana was launched in April 2005. This scheme comes under the National Rural Health Mission (NRHM). JSY primarily focuses on the healthcare of pregnant women living in economically backward conditions. The main aim of the JSY scheme is to encourage institutional delivery among poor pregnant women, thereby reducing maternal and neonatal mortality. All states, especially low-performing states and union territories, benefit from the JSY program.

Features of  JSY scheme

Here are the features of the JSY scheme:

• Launched under the National Health Mission, the JSY scheme mainly focuses on promoting institutional delivery among pregnant women who live in economically disadvantaged conditions.
• The prime goal of the JSY scheme is to reduce pregnancy and delivery complications.
• JSY provides good support to neonatal health.
• The JSY works across all states in India. Depending on the inequality in healthcare infrastructure, states are categorised as low-performing and high-performing (LPS and HPS) states.
• Accredited Social Health Activist (ASHA) works as a connecting link between pregnant women and the government. ASHA workers reach out to villages to meet every pregnant woman and understand their needs and emergencies.
• The coverage includes postnatal care, antenatal checkups and emergency obstetric service.
• The JSY insurance scheme provides all kinds of cash coverage related to pregnancy and aftercare.

Janani Suraksha Yojana benefits

Primarily focused on the health benefits of pregnant women, Janani Suraksha Yojana empowers women to opt for institutional delivery. The benefits include:

• Coverage for pregnancy-related expenses.
• Complete coverage for delivery and other expenses.
• Prenatal and postnatal care.
• Assistance for breastfeeding mothers and newborn child care.
• Janani Suraksha Yojana benefits include cash assistance for mothers who live in unprivileged circumstances.
• The JSY program focuses on low-performing states and provides higher cash assistance.
• The main goal of implementing such facilities is to reduce the rate of maternal mortality among pregnant women in rural areas.
• All the expenses are cashless, and the government directly reimburses the Janani Suraksha Yojana amount.

Eligibility criteria of JSY Yojana

To apply for the JSY yojana healthcare scheme, you must meet the eligibility criteria for the Janani Suraksha Yojana. Below listed are the Janani Suraksha Yojana eligibility:

• A pregnant woman must be above 19 when applying for the JSY program.
• One can avail of JSY scheme benefits for up to two deliveries.
• Cash benefits vary according to low or high-performing states and rural or urban areas.
• Pregnant women who come under BPL or who deliver in government or accredited private hospitals are also eligible.
• The JSY program is applicable for normal deliveries.
• You must apply early in pregnancy to get all the facilities available.
• JSY Yojana encourages one-time registration only.
• Pregnant women who work in the government sector have separate healthcare facilities through their employers. In such a scenario, you need to check the eligibility criteria with the authorities.

How do you apply online for Janani Suraksha Yojana?

Janani Suraksha Yojana online registration is simple. You can do it online and offline. Go through the details below to learn how to apply Janani Suraksha Yojana online:

• You can apply through the JSY official website, as many states accept Janani Suraksha Yojana Apply online
• For that, you can visit JSY's official web portal.
• Fill out the form and upload the necessary documents as per instructions.

Documents required for JSY registration

The following are the list of documents required:

• PAN, Aadhaar card
• BPL card, Discharge slip and birth certificate after delivery and
• Caste certificate
• Voter ID
• Photo ID( if applicable).

FAQs

1. How much Janani Suraksha Yojana amount can a pregnant woman get from the scheme?

For delivery, a pregnant woman from an urban area gets INR 1000, while a pregnant woman from a rural area can get INR 1400.

2. How to do offline registration for the JSY scheme?

To register for JSY offline, visit the nearest health care centre or Anganwadi and submit the necessary documents.

Conclusion

Health Insurance plans are essential for protecting families from various medical expenses. Policies like JSY promote institutional healthcare and set a standard for public healthcare. You can also opt for the best health insurance for parents and loved ones by checking all the available features.

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 government of India initiates various insurance programs for women's empowerment.  Pradhan Mantri Matru Vandana Yojana is the central government initiative to support pregnant and lactating women in India who are living under socially and economically backward conditions.

What is Pradhan Mantri Matru Vandana Yojana (PMMVY)?

Pradhan Mantri Matru Vandana Yojana (PMMVY) was launched in 2017 under the Ministry of Women and Child Development. The scheme mainly focuses on mothers and their well-being by providing financial help and external support for their needs before and after delivery.

Key features of the PMMVY scheme

Here are the key features of the PMMVY scheme:

• Beneficiaries can avail of financial benefits for the first two deliveries, provided the second child is a girl.
• The prime goal of the Pradhan Mantri Matru Vandana Yojana scheme is to improve the overall well-being of pregnant women and mothers who live in financially disadvantaged conditions.
• PMMVY scheme insists on institutional delivery and fully supports lactating mothers and early child care.
• Giving importance to girl children by providing financial help, this scheme focuses on the prevention of female foeticide, thereby maintaining the sex ratio.

Benefits of  PMMVY scheme

Key benefits of PMMVY scheme include:

• The PMMVY program provides financial support for pregnant and lactating mothers up to Rs.5000/—in three instalments.
• Financial benefits are available for the first child and for the second child if the second child is a girl.
• For the second girl child, the maximum allowed amount is Rs.6000/-
• In case of any miscarriage or stillbirth, the beneficiary is considered a fresh applicant for future benefits.
• PMMVY scheme is an integrated program under the Janani Suraksha Yojana(JSY) that promotes institutional delivery and cash incentives.

PMMVY eligibility criteria

One must pass specific eligibility criteria for the Pradhan Mantri Matru Vandana scheme:

• The applicant must be an Indian.
• The applicant must be 19 years old or above.
• The applicant must be a pregnant or lactating woman.
• She must be employed and is facing wage- loss due to pregnancy break.
• The cash benefit is available for the first live birth. If the second child is a girl, the cash is available in one instalment.
• One must apply within 270 days of the delivery to get maximum financial benefits.
• As per PMMVY 2.0, an updated scheme called Mission Shakti, launched in April 2022, allows additional cash benefits in case of a delivery with twins/ triplets or quadruplets.
• Those working in government sectors or getting the same benefits under different schemes are not eligible to apply.

How to apply for the PMMVY scheme online?

Eligible women can use the Matru Vandana Yojana online apply facility through the PMMVY official web portal. They can also seek help from ASHA or Anganwadi workers.

The beneficiary can claim the second installment after six months of pregnancy. For the third instalment, applicants must complete the online form and copies of the mother and child protection card to show their certification of immunity and vaccination.

Documents required for PMMVY registration

For Matru Vandana Yojana registration, the applicant must submit documents as proof.

Along with the Matru Vandana yojana form, the applicant has to submit a copy of

• Mother and Child Protection Card (MCP)
• Aadhar Card or government-approved proof of identity.
• Account details of the beneficiary
• Mobile number for status updation
• Childbirth certificate
• Immunisation details
• LMP and ANC date

Importance of the PMMVY scheme

PMMVY promotes institutional delivery, child care, lactation assistance, nutrition guidance, etc. The main goal is to reduce infant mortality and maintain the sex ratio by preventing female foeticide. This program is designed to support the health and well-being of pregnant and lactating mothers.

FAQs

1. How do I get Matru Vandana Yojana check status?

Log in to the PMMVY official website. After entering your registered mobile number, you can go to the dashboard and check the application status.

2. Who is eligible to apply for the PMMVY scheme?

The scheme is available to pregnant and lactating women who are 19 years or older and are facing wage loss due to pregnancy. It provides benefits for the first live birth and for the second child if the second child is a girl.

Conclusion

While the Pradhan Mantri Matru Vandana Yojana is a significant step in improving maternal and child health, it’s equally important to highlight the role of a solid health insurance policy, particularly maternity health insurance. These policies offer broader coverage for medical expenses related to pregnancy and childbirth, ensuring women have access to quality healthcare services without financial burden.

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 government of India has launched several health insurance policies to support people who live in economically underprivileged conditions. The Universal Health Insurance Scheme (UHIS) by the Indian government aims to improve the financial well-being of people who fall below the poverty line (BPL).

What is the Universal Health Insurance Scheme (UHIS)?

UHIS scheme is a national insurance policy launched by the Indian government in 2003. The main goal of the UHIS scheme is to provide financial coverage for low-income groups in the country, especially the primary earning members of the family.

Features of UHIS

Here are the UHIS features.

• UHIS policy is available in two categories— group policy and individual policy.
• For individual policies, the policyholder is the primary earning member of the family.
• Group policies are in the name of any group, association or institution.
• Group policy members cannot be a part of other similar health insurance schemes.
• All the members under UHIS get coverage for all the expenses related to health and medical needs.

Benefits and coverage of Universal Health Scheme

UHIS insurance policy provides complete health coverage, including before and after hospital and medical expenses.

• UHIS keeps its premium in the affordable range.
• Both individuals and family members can benefit from this scheme.
• UHIS insurance policy covers unexpected medical expenses and arranges cashless treatment facilities through registered hospitals.
• Universal health care scheme covers all maternity expenses, including postnatal and infant care.
• In case of any misfortune, such as accidents or unexpected deaths in a family, they can claim financial coverage using this policy.
• UHIS scheme provides extensive medical coverage for people with ongoing medical conditions.
• For the BPL families, state subsidies are applicable on insurance premiums.
• UHIS provides good quality health coverage for everyone under the policy.

Exclusions in the Universal Health Insurance Scheme

The following conditions are not applicable to financial benefits under UHIS.

• If you are diagnosed with HIV or AIDS, you cannot apply for financial coverage.
• Medical expenses due to war or similar situations are not applicable.
• For congenital disabilities and diseases.
• Circumcision due to accidents or any necessary treatments.
• Hearing aids, contact lenses or spectacle charges are not covered.
• Suicide or attempt of suicide-related medical expenses.
• Injuries due to consumption of alcohol.
• Injuries or death due to any criminal events.

Universal Health Insurance Scheme premium rates

The premium rates for APL families and BPL families are different under the Universal Health Insurance Scheme (UHIS)

• The annual premium for an APL family is Rs.365.
• APL families of five members, including the insured, spouse and first three children, must pay Rs. 548 every year.
• The yearly premium for APL families, including seven members, is RS.730.
• For BPL families, the annual premium for an individual is RS. 300.
• A BPL family with five members must pay a premium of Rs. 450 annually.
• The yearly premium for a BPL family, including seven members, is Rs. 600.

Eligibility criteria for UHIS

The eligibility criteria for the Universal health scheme differ between  APL and BPL families.

For families and individuals under APL, the  annual income must be more than the insured amount. The minimum age limit to be eligible for the benefits is 5 years, and the maximum age limit is 65 years.

The family income needs to be less than the insured amount for the families under BPL. The minimum age limit to be eligible is 5, and the maximum age limit is 70. One must issue an income certificate from the Revenue Department B.D.O. or Tehsildar as a proof.

How to apply for the Universal Health Insurance Scheme?

To apply for Universal Health Insurance Scheme benefits, one must approach the insurance service provider with the required documents. For BPL families, a certificate of proof issued by a B.D.O or tehsildar from the Revenue Department is mandatory to confirm eligibility.

Universal Health Insurance Scheme hospital list

Certain hospitals are registered under the Universal Health Insurance Scheme. If you apply for the UHIS scheme, you must approach the network hospitals to avail of the benefits. Your concerned insurance company can provide a list of network hospitals registered under this scheme.

FAQs

1. Can we apply for UHIS online?

Yes, you can apply online with certain service provider websites. For more details, visit the insurance provider’s website.

2. Is the UHIS a flexible plan?

Yes, you can customise the UHIS plan according to your family’s requirements and continue it to a certain extent.

Conclusion

Health insurance plans are the most trusted way to safeguard your family and loved ones from unexpected health-related expenses. You can secure your family by choosing individual plans or health insurance for family according to your priorities.

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

If you're employed in India, you're likely familiar with common salary components like basic pay, HRA and bonuses. However, there’s another important part of your salary that often goes unnoticed which is known as perquisites. These are the additional benefits provided by your employer, and they are covered under Section 17 2  of the Income Tax Act. In this blog, we'll explore what Section 17 2 entails,  what kinds of perquisites it covers and how they will affect your tax liability.

What is the meaning of perquisites in income tax?

You may have often come across the term "perks" when discussing salaries. These "perks" refer to the additional benefits that your employer provides on top of your salary.

Perquisites can be either monetary or non-monetary. For example, you may get a rent-free house, a car from your company or medical insurance. The important point is that these benefits hold a monetary value and are considered part of your total income for tax purposes.

What are perquisites in salary?

Perquisites are divided into three different categories. Understanding these categories will help you determine your tax liability in a better way.

• Taxable Perquisites: These perquisites are fully taxable. For example: rent-free accommodation or personal use of a company car.
• Exempt Perquisites: Your mobile phones or laptops that you use for official work come under the exempt category. It means that you do not have to pay any tax for these.
• Partially Taxable Perquisites: For these perquisites, only a part of your benefit is taxable. For example, concessional loans given by your employer.

Rules for the valuation of perquisites in income tax

The Income Tax Rules offer a detailed guideline for valuing different types of perquisites. For example:

• The value of your rent-free home depends on your salary and your city of residence.
• The value of your company car that you use for personal purposes is calculated based on the engine capacity and the fuel expenses.
• For individual health insurance provided by the employer, the value may or may not be taxable depending on your particular situation.

What is section 17(2) of income tax act?

Section 17 of income tax act states all the components of your salary. Under this, section 17 2 especially deals with the perquisites in salary. It provides a list of various types of benefits that are considered perquisites and hence, they are taxable as part of your salary.

What is the taxability of perquisites under section 17(2)?

According to section 17 2, all perquisites that you get from your employer are taxable unless specifically exempted. The value of these perquisites is added to the total income and taxed as per the applicable income tax slab.

Hence,if your employer pays the premium for an individual health insurance policy covering your family, the value of this benefit may be taxable in certain situations. Similarly, if your company provides you with housing, the rental value of the accommodation is added to your salary and taxed accordingly.

Tax exempt perquisites

As mentioned earlier, not all perquisites are taxed. For example:

• Provision of mobile phone and internet for work purposes.
• Your company’s contribution to a retirement fund (within limits)
• Medical insurance that is provided under a group scheme for employees.

Calculation of value of perquisites as per section 17 (2)

Each type of perquisite is calculated through a different method and it depends on several factors:

Benefits of perquisites

Even though perquisites are taxed, they offer several advantages:

• Increase in overall composition.
• Access to benefits like housing, transport, medical insurance and education allowance.
• Cost savings on personal expenses.
• Enhanced job satisfaction and retention.

FAQs

1. Are all perquisites taxable?

No, some perquisites are exempt fully as well as partially under the Income Tax Rules.

2. Is employer-paid medical insurance taxable?

Group policies may be exempt, but individual health insurance premiums paid by your employer may be taxable.

3. What is the main purpose of Section 17(2)?

This section defines which perks are considered part of your salary and lays down rules for their taxation.

Conclusion

Understanding section 17 2 of the income tax act helps you to stay informed and make smarter financial choices. Hence, you should take your time to review your salary structure, understand the benefits as well as consult a tax expert if needed.

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.

Healthcare expenses can often put a heavy strain on one’s savings, especially when it comes to prolonged treatments or hospitalisations. For central government employees and pensioners, the Central Government Health Scheme (CGHS) offers a structured and reliable solution. Launched in 1954, CGHS aims to provide affordable comprehensive medical care to eligible individuals and their families.

What is the Central Government Health Scheme (CGHS)?

The CGHS is a healthcare initiative by the government of India that serves retired central government employees and their families. It provides subsidised medical care across various cities through its vast network of wellness centres and approved hospitals. If you're unsure where to begin, simply search for a CGHS hospital near me to find the nearest centre in your location.

Government mandates linking CGHS with ABHA for Central Govt. employees

Here are the steps to link CGHS with ABHA ID:

1. Visit CGHS official website.
2. Log in with your CGHS beneficiary ID.
3. Choose the option to create or link your ABHA ID.
4. Enter your Aadhaar and complete OTP verification.
5. Once done, you can download or print your ABHA card.
   

Facilities offered by the Central Government Health Scheme (CGHS)

The CGHS scheme ensures end-to-end healthcare services under one umbrella. Here’s what CGHS covers:

Features of the Central Government Health Scheme

Central Government Health Insurance Scheme brings several unique features that enhance healthcare delivery:

• Cashless treatment for CGHS beneficiaries wellness centres and hospitals.
• Reimbursement facility for treatment in non-empanelled hospitals under emergency.
• A plastic card will be issued to each beneficiary and will be valid in all CGHS cities.
• Digital health record integration with ABHA.

Who are the beneficiaries of CGHS?

CGHS covers a wide list of eligible individuals:

• Central Government employees (serving and retired).
• Pensioners and family pensioners.
• Members of Parliament and former Vice Presidents.
• Retired Supreme Court and High Court judges will get the Central Government Health Insurance Scheme for senior citizens.
• Delhi Police personnel.
• Employees of the Postal and Telegraph Department.
• Accredited journalists with the Press Information Bureau.
• Freedom fighters and employees of certain autonomous bodies.
  

Eligibility criteria for Central Government Health Scheme

To be eligible for CGHS, you must meet any of the following:

• Be a serving or retired Central Government employee.
• Be a pensioner receiving a central pension.
• Be a dependent family member living in a CGHS-covered city.
• Be a Member of Parliament, former Vice President, or judge.
• Be an employee from approved departments like Delhi Police or Railway Board.
  

Application process of Central Government Health Scheme (CGHS) card

Applying for a CGHS card is straightforward:

1. Visit the CGHS website to apply online for Central Government Health Scheme plastic card through the official CGHS portal and download the application form.
2. Fill in personal details and attach recent photographs.
3. Submit the form and documents to the Additional Director of CGHS in your city.
4. The card will be issued once the documents are verified.

Benefits of the Central Government Health Scheme

Here are some of the CGHS benefits:

• Low-cost or cashless medical care in government and empanelled hospitals.
• Subsidised medicines at CGHS wellness centres.
• Specialist consultations and diagnostics at no additional cost.
• Preventive care like annual check-ups and vaccinations.
• Surgical and maternity care support.

How to book a doctor’s appointment under the CGHS?

For CGHS registration follow the below steps:

1. Go to CGHS official site.
   
2. Log in using your beneficiary ID and OTP.
   
   
3. Select the wellness centre, doctor and speciality.
   
   
4. Choose the date and time slot.
   
   
5. Confirm and download your appointment slip.

What is the CGHS empanelled hospital list?

CGHS has tie-ups with several renowned hospitals across the states. Some CGHS empanelled hospitals include:

The full list is available on the CGHS website and is updated regularly.

FAQs

1. Can I use CGHS services in a city where I am not posted?

Yes, if you have a plastic CGHS card, you can use services in any CGHS-covered city.

2. Are dependents of employees also covered?

Yes, dependent family members living in CGHS cities are eligible.

3. How can pensioners apply?

Pensioners need to submit an application form with a copy of their PPO and ID proof to the CGHS office.

Conclusion

The Central Government Health Scheme is a healthcare plan for millions of central government employees and their families. However, while CGHS covers a wide range of services, there are still situations where you may need health insurance plans.

In the case of treatments in non-empanelled hospitals, expensive surgeries abroad or coverage gaps during emergencies outside CGHS cities, a health insurance plan acts as a safety net. Also, for your ageing parents who may not qualify for CGHS or need broader coverage, health insurance for parents can help cover unexpected bills, costly medicines and specialised treatments not included under CGHS.

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.

India's power sector is one of the most important parts of its economy. However, over the years, power distribution companies (DISCOMs) in India have faced many financial problems. These companies buy electricity from power producers and supply it to consumers, but due to high losses and unpaid bills, they have been incurring significant losses.

To solve this issue and make these companies financially strong, the Indian Government launched the Ujwal DISCOM Assurance Yojana (UDAY) in 2015. This scheme aimed to help DISCOMs reduce their debts, improve their operations and supply power more efficiently.

What is the UDAY scheme?

The UDAY Scheme is a government programme launched by the Ministry of Power, Government of India, in November 2015. It was designed to help electricity distribution companies (DISCOMs) become financially healthy and provide better services.

Key points about UDAY:

• It is a voluntary scheme for states to join.
• The central government helps the state governments take over 75% of the DISCOMs' debt.
• It provides a roadmap for reducing losses, improving efficiency and ensuring the supply of power 24/7.

Why was UDAY launched?

UDAY was launched to address the poor financial health of power distribution companies in India. Many DISCOMs were heavily in debt and unable to pay power producers. This led to:

• Power shortages
• Unreliable electricity supply
• Frequent blackouts in some areas
• Financial stress on the whole power sector

Reasons for launching UDAY:

• High losses: DISCOMs had high Aggregate Technical and Commercial (AT&C) losses.
• Low tariffs: Electricity was sold at a price lower than the cost of production.
• Delayed payments: Power generators were not getting paid on time.
• Lack of investment: Poor financial health stopped DISCOMs from upgrading infrastructure.

Objectives of UDAY scheme

The PM UDAY scheme had clear objectives to bring positive changes in the power sector. These include:

• Reduce DISCOMs’ debt by helping states take over 75% of it.
• Lower interest rates on the remaining debt to reduce financial burden.
• Improve operational efficiency by reducing power theft, technical losses and improving billing systems.
• Ensure 24x7 power for all by making DISCOMs financially and operationally stable.
• Introduce smart meters and technology to monitor and manage electricity better.
• Promote renewable energy by helping DISCOMs buy more solar and wind power.

Benefits of UDAY for the participating states

Here are some of the important UDAY scheme benefits:

Financial benefits:

• States could issue bonds to pay off the DISCOMs' debt, reducing interest costs.
• The financial health of DISCOMs improved, attracting more investment.
• Banks and financial institutions faced less risk due to reduced defaults.

Operational benefits:

• Improved power supply with fewer interruptions.
• Reduction in power theft through better billing and monitoring.
• Better customer service as DISCOMs could invest in technology and infrastructure.

Long-term benefits:

• Greater trust in the power sector.
• Support for industrial growth due to reliable electricity.
• Stronger push for renewable energy projects.

UDAY 2.0

Though PM UDAY Yojana made some improvements, not all targets were met. So the government introduced an updated version called UDAY 2.0 or Atmanirbhar Bharat Abhiyan Power Reforms.

UDAY 2.0 Goals:

• Encourage private participation in the power sector.
• Focus on smart metering across India.
• Improve collection efficiency and reduce electricity losses further.
• Provide financial assistance to DISCOMs under certain performance conditions.

Challenges faced by UDAY

Despite good intentions, Pradhan Mantri UDAY Yojana faced several challenges:

• Slow implementation: Many states delayed reforms or did not fully implement the plan.
• Operational targets not met: Loss reduction and efficiency improvements were slower than expected.
• Still in debt: Some DISCOMs continued to borrow money and build up new debt.
• Poor monitoring: Data reporting was not always accurate or timely.
• Dependence on politics: Changes in state governments affected the commitment to reforms.

FAQs

1. Is UDAY still active?

UDAY 1.0 officially ended in 2020, but its goals continue under UDAY 2.0 and other reforms.

2. Which states joined UDAY?

Most Indian states and Union Territories joined UDAY voluntarily, including Uttar Pradesh, Rajasthan and Tamil Nadu.

3. What is AT&C loss?

AT&C (Aggregate Technical and Commercial) loss refers to the loss of electricity during transmission and distribution and non-payment by consumers.

4. How does UDAY help consumers?

By improving DISCOMs’ health, UDAY aimed to provide more reliable and affordable electricity to consumers.

Conclusion

The PM UDAY Scheme was a bold move by the Indian Government to fix deep-rooted problems in the power distribution sector. While it achieved some success in reducing debt and encouraging reforms, many goals remain unmet. The launch of UDAY 2.0 reflects the need for continuous improvement, better monitoring and more accountability.

A reliable power supply also supports essential services like healthcare. In recent years, more people have started to see the value of securing their health and finances with a health insurance policy. This is especially important for older adults, making senior citizen health insurance an increasingly important option.

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.

Old age brings wisdom, but it can also bring financial challenges. Without a steady source of income post-retirement, many individuals, especially those in the unorganised sector, struggle to meet basic needs. The Government of India recognised this gap and introduced the Atal Pension Yojana (APY) to provide financial security during retirement. This scheme is helpful for people who are not covered by any formal pension system.

This blog provides a complete guide to the APY scheme, its enrolment process, benefits, eligibility, and more.

What is the Atal Pension Yojana (APY) scheme?

The Atal Pension Yojana scheme, backed by the government, is primarily targeted at workers in the unorganised sector, such as maids, drivers, delivery agents and gardeners. It was launched in 2015 and is regulated by the PFRDA or Pension Fund Regulatory and Development Authority.

Under APY, subscribers will receive a fixed pension amount—ranging from ₹1,000 to ₹5,000 per month—after the age of 60, based on their contribution and age at entry. Upon the subscriber's death, the Atal pension yojana details are passed on to the spouse and later, the corpus amount is given to the nominee.

Key features of Atal Pension Yojana

Here are some key features of the scheme:

• Available to Indian citizens between 18 to 40 years of age
• Monthly pension of ₹1,000 to ₹5,000 after turning 60
• Minimum contribution period: 20 years
• Auto-debit facility ensures the timely contribution
• Co-contribution by the Government (for eligible subscribers enrolled before Dec 2015)
• Managed by PFRDA with a safe investment pattern

Benefits of Atal Pension Yojana (APY)

Its benefits are:

• Atal pension yojana benefits financial security during old age by providing a fixed monthly pension after retirement.
• Offers a low-risk investment option as the scheme is regulated and managed by the government.
• Provides tax benefits with contributions eligible for exemption under Section 80CCD of the Income Tax Act.
• Covers the subscriber's family by continuing the pension for the spouse after the subscriber's death.

How to enrol for Atal Pension Yojana?

You can either apply online or offline.

Online mode:

• For Atal pension yojana online apply, log in to Internet banking of your savings account.
• Search for the APY option.
• After Atal pension yojana login, fill in the form and enable auto-debit
• Only selected banks offer this feature

Offline mode:

• Visit your bank or post office
• Collect and fill out the APY form
• Submit with a photocopy of Aadhaar
• Provide a valid mobile number for confirmation alerts

Eligibility criteria under the APY scheme

To enrol in APY, the individual must:

• Be an Indian citizen
• Be aged between 18 and 40 years
• Have a savings bank account
• Link Aadhaar and mobile number with the bank account
• Be willing to contribute for at least 20 years

Documents required for the APY scheme

Here is a list of the required documents:

• A completed Atal pension yojana registration form
• Aadhaar card (photocopy)
• Valid mobile number
• Active savings bank or post office account

Monthly contribution of the Atal Pension Yojana

You can keep track of your contribution with the help of an APY pension calculator.

Penalties for delayed contributions to a pension

Late contributions attract the following penalties:

• 1 per month for contributions up to ₹100
• 2 per month for ₹101–₹500
• ₹5 per month for ₹501–₹1,000
• ₹10 per month for contributions above ₹1,001
• Accounts may be frozen after 6 months
• Accounts may be deactivated after 12 months and closed after 24 months of non-payment.

How does the Atal Pension Yojana work?

Here's how the scheme works:

• Subscriber chooses a pension amount
• Contribution begins immediately and continues until age 60
• The amount is debited automatically from the bank account
• At 60, pension begins
• After the subscriber's death, the pension goes to the spouse
• On the death of both, the nominee receives the corpus
• In special cases like terminal illness or death before age 60, the spouse can either claim the corpus or continue the contributions.

Key things to know about the Atal Pension Yojana (APY)

Important things to remember:

• Early withdrawal is allowed only in cases of death or serious illness
• Subscribers can increase or decrease their pension amount by informing the bank
• Insufficient balance will lead to penalties
• The scheme allows only one APY account per person
• The government's contribution is not available for income taxpayers
• APY account must be linked to a savings account with auto-debit enabled

FAQs

1. What is the minimum and maximum age for Atal Pension Yojana apply?

The minimum age is 18 years, and the maximum is 40 years.

2. Can I exit APY early?

Only in cases of death or terminal illness. Otherwise, early exit will only return your contribution with interest, excluding the government co-contribution.

Conclusion

The Atal Pension Yojana is a powerful tool for anyone looking to secure their future. Medical costs, especially in India, are rising steadily. While the Atal pension yojana ensures monthly income, it is equally wise to plan for medical emergencies with health insurance plans. Getting health insurance for family can help you and your family during unexpected medical emergencies.

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

Anise seeds, commonly known͏ as saunf in ͏India, have been used in traditional medicine and͏ cooking for ce͏nturies. These͏ ͏tiny, aromatic se͏eds͏ cont͏ain e͏ssential nutr͏ients, including͏ iron, c͏alcium, an͏d antioxi͏dant͏s. They͏ are͏ ͏often consumed͏ for th͏eir potential dig͏estive, respirator͏y, an͏d overall health bene͏f͏its.

͏This article ͏explores everything you need to know about this super seed, how to consume it, and the various healt͏h benefits of ͏anise seeds. 

Significant benefits of anise seeds

The ͏healt͏h benefits of ͏anise seeds goes beyond just adding flav͏our to fo͏od. ͏These tiny s͏eeds con͏tain essential nutrie͏n͏ts ͏and bioactive ͏compounds t͏hat may͏ s͏upp͏ort ͏dige͏stion͏, ͏respiratory health, he͏art f͏un͏ction, and ͏more.

Som͏e key͏ bene͏f͏its of ͏anise seeds are:

1. Supports digestive health

Anise s͏eeds may͏ hel͏p͏ im͏prov͏e digestion ͏by reducin͏g b͏loat͏ing͏, gas, and indigestion. Many people c͏hew ani͏se s͏eed͏s ͏aft͏er meals to promote gut health.

2. Reduce cough and cold symptoms

Anise seeds͏ ͏have natural ex͏pectorant properties that may help clear mucus and ease con͏gestion. They͏ are often used in herbal cough syrups and tr͏a͏dit͏ional home remedies.

3. Regulating blood sugar levels

The ͏compo͏und anethole, found ͏in ani͏se seeds, is ͏believed to help support balanced blo͏o͏d sugar levels when combined with a h͏e͏alt͏hy diet.

4. Ease menstrual discomfort

Due to its potential anti-inflammatory effects, anise seed tea is sometimes consumed to relieve menstrual cramps and discomfort.

5. Improve sleep quality

Anise seeds possess gentle sedative properties that may help induce relaxation, making them a natural option for managing mild sleep issues.

6. Support heart health

Anise seeds contain antioxidants and fibre, which supports heart health by supporting healthy cholesterol levels. Their anti-inflammatory properties can also help maintain normal blood pressure and overall cardiovascular function.

7. Help relieve stress and anxiety

The aroma of anise seeds is believed to have calming effects that is believed to help reduce stress and mild anxiety.

8. Promotes healthy skin

Anise seeds have antimicrobial properties and may help maintain healthy skin when consumed or applied in diluted form. It can also help fight free radicals, potentially reducing signs of ageing.

9. Aid in weight management

The fibre in anise seeds can promote satiety, which may help control appetite. Their mild diuretic properties could support metabolism and reduce water retention.

10. Support respiratory health

Anise seeds are often used in traditional remedies for asthma and bronchitis due to their potential ability to soothe the respiratory tract. Their anti-inflammatory effects may help reduce throat irritation and improve lung function.

How to consume anise seeds?

There are several ways to include anise seeds in a diet:

Importance of health insurance plans

While anise seed health benefits are valuable, no food can guarantee disease prevention. Unexpected health issues can arise anytime, making health insurance plans essential.

Why is health insurance important?

Health insurance offers several benefits:

• Covers medical expenses
• Ensures access to quality treatment
• Includes preventive healthcare
• Tax savings

A balanced lifestyle includes both nutritious eating habits and smart financial planning. Choosing the right individual health insurance can ensure peace of mind in case of medical emergencies.

FAQs

1. How many anise seeds should be consumed daily?

It is generally safe to consume 1-2 teaspoons per day.

2. Can anise seeds help with acidity?

Anise seeds may help reduce acidity and bloating when consumed after meals.

3. Are anise seeds and fennel seeds the same?

No, they are different. Anise seeds are smaller and more aromatic than fennel seeds.

4. Where can anise seeds be bought?

Anise seeds are available in supermarkets, spice stores, and online marketplaces.

Conclusion

The health benefit of anise are several. H͏͏o͏wev͏͏er, ma͏intai͏ni͏͏n͏g͏ overa͏ll ͏we͏ll-being͏ requi͏re͏s ͏more than ͏just͏ good nutritio͏n. A ho͏l͏istic͏ approach i͏ncl͏udes ͏a ba͏l͏ance͏d ͏diet,͏͏ regular exercise, ͏and  ͏reliab͏le͏ ͏h͏ealt͏h insurance plans ͏t͏o stay finan͏cially p͏repared for͏ medi͏cal ͏emergen͏͏cie͏s a͏nd ͏lead ͏a͏ secure ͏life

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

The Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana ( ) is a state government-funded health scheme that aims to financially help lower-income and vulnerable families in Rajasthan. It can help people who don’t have family health insurance.

What is Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana (AB-MGRSBY)?

Initiated by the Rajasthan government, the AB-MGRSBY is a health insurance program to support families below the poverty line. It focuses on providing cashless treatment for various medical conditions.

Key specifications of AB-MGRSBY

The key specifications of this scheme are:

• Up to Rs 5 lakh in health coverage per household every year.
• Costs are settled directly between the hospital and the insurance provider.
• Primarily targets lower-income and vulnerable families.

Features and benefits of AB-MGRSBY

The AB-MGRSBY is a beneficial family health insurance plan. The scheme:

• Protects you from high medical bills by covering hospitalisation and treatment costs.
• Covers both planned treatments and emergency care.
• Provides cashless hospitalisation.
• Covers treatment for pre-existing conditions and offers comprehensive care.

What is not covered under AB-MGRSBY?

Some of the exclusions are:

• Beauty treatments
• Procedures or treatments that are not medically required
• Vaccinations
• Congenital anomalies
• Outpatient consultations and minor procedures done on an outpatient basis

Eligibility for Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana

To be eligible for this scheme, one must be a Rajasthan resident and belong to lower-income or vulnerable families. Applicants are required to submit proof of both these criteria.

How to enrol in AB-MGRSBY?

There is no separate enrolment process for this scheme. Beneficiaries can access related information on the Jan Soochna portal and identify themselves under this scheme.

Documents required to apply for AB-MGRSBY

The following documents are required to avail of the scheme:

• An Aadhar card, voter ID, or any government-issued ID.
• Utility bills, ration cards, or any official document showing your address.
• Eligibility letter for Ayushman Bharat scheme.
• BPL card, if available.

AB-MGRSBY Swasthya Marg darshak

An AB-MGRSBY Swasthya Marg Darshak is a health guide who helps you avail the benefits of this scheme. They will be present in the network hospitals and help the patients with all the formalities, ensuring they receive hassle-free treatment.

What is the registration process for AB-MGRSBY?

Eligible families don’t need separate AB-MGRSBY registration to avail of benefits. If they qualify for the Pradhan Mantri Jan Arogya Yojana or the Bhamashah Swasthya Bima Yojna, they are also eligible for this scheme. However, they need to check the Jan Soochna portal for details.

How to claim Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana?

To claim benefits:

• Visit a hospital recognised under the AB-MGRSBY network.
• Show required documents.
• Contact Swasthya Marg Darshak if necessary.
• The hospital will provide treatment and directly bill the insurance provider.
• The claim is verified, and the costs are settled.

AB-MGRSBY package list

The package list details the types of treatments and procedures covered under the Ayushman Bharat Mahatma Gandhi Rajasthan health insurance scheme:

• Common surgeries and emergency operations
• Essential tests like blood work, X-rays, and MRIs
• Comprehensive care for both planned and emergencies

List of hospitals empanelled under AB-MGRSBY

There is no AB-MGRSBY official website to access the list of hospitals empanelled under this scheme. Some of the empanelled hospitals are:

• Govt Amrit Kaur Hospital, Beawer
• Yagya Narayan Hospital, Ajmer
• Government Sub Division Hospital, Kekri
• Anand Multispeciality Hospital and Research Center, Ajmer

A detailed list can be accessed here.

AB-MGRSBY toll-free numbers

In case of any queries, the following toll-free numbers can be contacted:

• 14555
• 1800-111-565
•  

FAQs

• Who is eligible under this scheme?

Residents of Rajasthan belonging to lower-income and vulnerable families can apply for this scheme. 

• Is there any limit to the services covered?

The scheme covers a variety of treatments, including emergency services, surgeries, and diagnostic tests.

Conclusion

The AB-MGRSBY scheme secures vulnerable families in Rajasthan by providing them with medical insurance. With medical costs rising dramatically in the country, any emergencies can wipe off your savings. To enjoy financial security and access to appropriate healthcare, family health insurance is a smart investment. It covers unexpected medical expenses, allowing you to focus on your family's well-being without the burden of high costs.

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

The SVAMITVA Scheme is a transformative initiative that was launched by the government of India to provide rural landowners with legal ownership documents. This scheme seeks to ensure that rural households are digitally empowered and have land ownership clarity. It also brings financial stability and dispute resolution to villages by issuing the Svamitva card.

This article explores the key aspects of the SVAMITVA Scheme, including how it works, its objectives, benefits, application process and the advanced technology driving its implementation.

What is the Swamitva scheme?

The Swamitva Scheme, also known as the PM Svamitva Scheme, was launched in April 2020 by the Ministry of Panchayati Raj. It involves a survey of villages and mapping with improvised technology in village areas. Svamitva focuses on mapping rural inhabited lands using drones and modern technology to grant property rights to homeowners. Villagers receive a Svamitva property card as legal proof of ownership, enabling them to leverage their property for loans and other benefits.

How does the Svamitva Scheme work?

The Svamitva Yojana uses advanced surveying techniques to map the village land in detail. The process involves:

• Drone surveys: High-resolution mapping of villages.
• GIS technology: Digitising land records for accuracy.
• Legal documentation: Issuing Svamitva card to landowners.

Objectives of the Svamitva project

The key objectives of the Svamitva project include:

• Legal ownership: It provides villagers with official documents as proof of residential property.
• Financial inclusion: It supports economic development by enabling landowners to use property as collateral for loans.
• Reducing disputes: It minimises land conflicts through clear demarcation and creating legal documentation.
• Rural development: It improves planning and infrastructure development in villages through accurate land data.

Benefits of SVAMITVA Scheme

The PM Svamitva Yojana offers numerous advantages, including:

• Legal ownership: Residents gain legal proof of ownership by receiving a Svamitva property card.
• Financial inclusion and access to credit: Property owners can access loans using their card as collateral.
• Dispute resolution: It reduces conflicts over boundaries through accurate mapping.
• Better planning and governance: Digitised records improve administration. Local bodies use the mapped data for village planning, taxation and service delivery.
• Economic growth: It encourages investment in rural properties.
• Insurance access: Owners can use property documents to access services like a health insurance plan, including senior citizen health insurance, for added security.

How to apply for the Svamitva card?

Here are the steps to follow:

• Visit the official nic.in apply online portal.
• Enter Aadhaar and property details.
• Upload the necessary documents.
• Submit the application for verification.
• After approval, the Svamitva card is delivered to the applicant's address.

Implementation process of Svamitva Scheme

Implementation involves:

• Village identification: The states select villages for drone surveys.
• Awareness campaigns: Officials educate villagers about the scheme.
• Drone mapping: High-tech drones capture land data.
• Data processing: GIS tools are used to create digital land records.
• Card distribution: Eligible residents receive their Svamitva property card.
• Data integration into the state property record systems.

Funding for Swamitva Yojana

The Swamitva Yojana is fully funded by the central government through the Ministry of Panchayati Raj to ensure consistent rollout of funds. The allocated funds are used for drone operations, data processing, officials' training and the distribution of Svamitva property cards.

Technology used in SVAMITVA Scheme

The SVAMITVA Scheme uses modern technology tools to ensure accuracy and scalability:

• Drone Surveys for high-resolution mapping and precise aerial surveys.
• CORS (Continuously Operating Reference Stations) for real-time geo-spatial data accuracy.
• GIS Platforms for visualisation, accurate mapping and land database management.
• Mobile apps for field data collection. These technologies ensure that the scheme is both efficient and future-ready, supporting digital India goals.
• Block chain: To prevent tampering of records.

FAQs

1. What if my property is not listed in the drone survey?

You can raise a grievance at the Gram Panchayat level or reapply during the next survey phase.

2. Can I apply online?

Yes, visit svamitva.nic.in apply online for online registration.

3. How does the scheme benefit senior citizens?

With the Svamitva card, senior citizens can access senior citizen health insurance or other welfare schemes requiring proof of residence and asset ownership.

Conclusion

The SVAMITVA Scheme is a revolutionary step towards empowering rural India by granting property rights. With the Svamitva card, villagers can secure their future, reduce land disputes and ensure economic development. While this scheme offers significant benefits related to land ownership, it's equally important to safeguard your health with the right insurance coverage. Having a comprehensive health insurance plan ensures that you are financially protected against medical expenses. For those caring for elderly family members, senior citizen health insurance can provide added peace of mind, covering healthcare costs like surgeries and treatments.

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

India’s rapid urbanisation has led to significant health challenges, such as overcrowding and inadequate medical facilities. The National Urban Health Mission (NUHM) is a government initiative launched to improve healthcare services in urban areas. NU HM focuses on delivering quality medical care to urban vulnerable groups.

This article explores key features, objectives, eligibility and benefits of NUHM, and how it addresses India’s urban population’s healthcare needs.

What is the National Urban Health Mission (NUHM)?

NUHM was introduced in 2013 under the National Health Mission (NHM) to strengthen urban public healthcare systems. Urban dwellers face high population density, unplanned settlements and a lack of affordable healthcare. The NUHM scheme ensures the urban marginalised population receives healthcare through NUHM hospitals, dispensaries and outreach programs. This urban health mission mainly targets urban populations like slum dwellers, construction workers, street vendors and the homeless. Unlike rural healthcare programs, NUHM caters to the unique challenges of urban health, including a lack of sanitation and non-communicable diseases. The mission emphasises strengthening infrastructure, increasing the healthcare workforce and promoting health insurance schemes.

Objectives of the NUHM scheme

The NUHM scheme has objectives to enhance healthcare accessibility and ensure better health outcomes in urban areas, including:

1. Developing public health infrastructure by upgrading existing urban healthcare facilities and building new ones.
2. Reducing infant and maternal mortality rates through ensuring safe deliveries, immunisation and postnatal care.
3. Empower local communities and engage community participation by involving NGOs and other stakeholders in healthcare delivery.
4. Promote health insurance by encouraging enrollment in individual health insurance schemes like Ayushman Bharat.
5. Reducing health inequalities through equitable healthcare access to provide essential health services to the urban vulnerable populations.
6. Converge health with other services by collaborating with sanitation, housing and water supply departments to improve social determinants of health.
7. Improve primary healthcare by establishing Urban Primary Health Centres (UPHCs).
8. Prevent communicable diseases by strengthening disease surveillance and control in slums.

Features of NUHM

The NUHM incorporates several key features to meet its goals, including:

1. Urban Primary Health Centres (UPHCs): These centres provide outpatient care, maternal and child services and essential diagnostics.
2. Mobile Medical Units (MMUs): In areas without infrastructure, mobile units serve as travelling clinics, providing health care to underserved areas.
3. Public-Private Partnerships (PPPs): NUHM encourages collaboration with NGOs and private hospitals to expand service delivery.
4. Outreach through ASHAs and MAS: Accredited Social Health Activists (ASHAs) are trained to engage with the community in health awareness and referrals. Mahila Arogya Samitis (MAS) facilitate women’s participation in health awareness and action.
5. Focus on non-communicable diseases (NCDs): Given the rise of hypertension, diabetes and other chronic conditions in urban areas, NUHM prioritises screening and preventive services.
6. Referral systems: Linking UPHCs with NUHM hospital for advanced treatment.
7. Health cards: Issuing cards to beneficiaries ensures easy access to healthcare services.

Eligibility for NUHM scheme

The NUHM scheme is inclusive, focusing on the most vulnerable sections of society. It primarily targets:

1. Residents of urban slums and informal settlements.
2. Urban homeless, street vendors and daily wage workers without access to healthcare.
3. Migrant workers and those without access to regular health facilities and medical security.
4. Marginalised communities: While no income limit is set, priority is given to economically weaker groups in society.

Benefits of NUHM

The urban health mission offers direct and indirect benefits,  including:

1. Affordable healthcare: Free and subsidised health services at UPHCs and NUHM hospitals. 
2. Preventive care and disease control: There is screening and treatment for TB, HIV and other communicable diseases.
3. Health insurance coverage: NUHM facilities link individuals with individual health insurance plans.
4. Maternal and child health services: Antenatal care, immunisations and nutrition support.
5. Emergency services: Access to ambulance services for critical care.
6. Health awareness: MAS and ASHAs hold hygiene, sanitation and preventive care campaigns.

FAQs

1. How can I locate a NUHM hospital in my city?

You can check with your local municipal corporation or visit the National Health Mission website for a directory of NUHM hospitals and UPHCs.

2. Are private hospitals part of NUHM?

Yes, the NUHM scheme collaborates with private hospitals under PPP models to extend services.

3. Can I use NUHM along with my health insurance?

Yes. While NUHM provides basic care, individual health insurance can complement it by covering hospitalisation and advanced treatments.

4. Can migrants avail of NUHM benefits?

Yes, migrants residing in urban areas are eligible for NUHM services.

Conclusion

The National Urban Health Mission (NUHM) is a transformative step towards equitable healthcare in India’s rapidly growing urban areas. While enrolling in the NUHM scheme offers valuable healthcare access for eligible individuals, it is also crucial to consider securing health insurance that can help cover hospitalisation costs, surgeries, emergency treatments, outpatient services and prescription medications, providing a safety net for unexpected medical expenses and ensuring comprehensive care when needed.

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.

You might have heard of the low FODMAP diet if you have troubles like bloating, stomach pain or irregular bowel movements. It's a special way of eating that can help calm your digestive system. Many people having Irritable Bowel Syndrome (IBS) and other gut problems find it very helpful. In this blog, we'll explain the low FODMAP diet, its purpose, benefits, side effects and tips to make it easier for you to follow.

What is the purpose of a FODMAP diet?

The primary purpose of the FODMAP diet is to identify which foods trigger digestive issues and eliminate them from the diet to help alleviate symptoms.

FODMAP stands for:

• Fermentable
• Oligosaccharides
• Disaccharides
• Monosaccharides
• And
• Polyols

These are various types of sugars that some people have trouble digesting.

Why it's done:

• To reduce gas, bloating and pain
• To improve bowel movements (stop diarrhoea or constipation)
• To identify which foods trigger your symptoms
• The diet is usually done in three phases: elimination, reintroduction and maintenance.

What are the benefits of a FODMAP diet?

Some key benefits of a low FODMAP diet are:

Low-FODMAP diet side effects

Here are a few side effects of FODMAP diet:

• Nutrient deficiency: You might miss out on important vitamins and minerals if you cut too many foods.
• Social challenges: Eating out with friends or family can become tricky.
• Complicated process: It can be confusing and stressful without proper guidance.
• Temporary symptoms: You may feel a bit worse at first before things get better.

Foods to include in your FODMAP menu plan

There are still lots of low FODMAP foods you can enjoy while on the diet:

What food should you avoid during a FODMAP diet plan?

Some foods are high in FODMAPs and should be avoided during the elimination phase:

• Vegetables: Onions, garlic, cauliflower, asparagus
• Fruits: Apples, pears, watermelon, cherries
• Dairy: Milk, yoghurt, soft cheeses
• Grains: Wheat, rye, barley (unless labelled gluten-free)
• Sweeteners: Sorbitol, mannitol (found in sugar-free sweets)

How to create a FODMAP diet menu plan

Here's a simple way to set up your menu plan:

• Start with safe foods: Pick from a good low FODMAP diet foods list, like mentioned above.
• Plan balanced meals: Make sure you have a mix of protein, grains and vegetables.
• Write a weekly menu: This helps you stay organised and avoid last-minute bad choices.
• Prepare meals in advance: Cook bigger batches and freeze portions.
• Track your symptoms: Keep a diary to notice how you feel after meals.
• Reintroduce foods slowly: After a few weeks, try bringing back one food at a time to see how your body reacts.

Tips for following a low-FODMAP diet

Following this diet can feel overwhelming at first, but these low FODMAP diet tips can make it easier:

• Get help from a dietitian: They can guide you step-by-step.
• Always read labels: Hidden FODMAPs can be in packaged foods.
• Use garlic-infused oil: You get the flavour without the FODMAPs.
• Eat small meals: This helps reduce bloating.
• Be patient: It takes time to see results.
• Stay hydrated: Drink plenty of water.
• Plan for eating out: Check menus beforehand or call restaurants to ask about food options.

FAQs

1. How long should I stay in the elimination phase?

About 4–8 weeks. Then you should start reintroducing foods.

2. Can I follow the low-FODMAP diet forever?

No, it's meant to be temporary. After finding your triggers, you can eat more freely.

3. Can children follow a low-FODMAP diet?

Only with a doctor's or dietitian's guidance, as they have different nutritional needs.

4. Is the low-FODMAP diet gluten-free?

Not exactly, but many high-FODMAP foods also contain gluten, so you'll eat some gluten-free foods during the plan.

5. Can I drink coffee?

Yes, but in small amounts. Stick to one cup a day and watch for symptoms.

Conclusion

The low-FODMAP diet can be a great way to control your gut health. However, always consult a doctor before starting and give yourself time to adjust.

When managing conditions like IBS or other digestive issues, it's also important to consider your wider health and financial protection. Having good health insurance plans can help cover the costs of medical advice, tests or specialist treatments you might need. If you have a serious condition linked to your gut health or beyond, critical illness insurance can provide a financial safety net during a difficult time.

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 keto diet has gained significant popularity in recent years, with many individuals adopting it to support weight management, improve overall health and enhance energy levels. Simply put, it is a low-carb, high-fat diet that helps the body burn fat for energy instead of carbohydrates.

In this guide, we will cover everything you need to know about the keto diet plan.

What is the purpose of a keto diet?

The main purpose of a keto food plan is to change the way your body gets energy. Normally, your body uses sugar (from carbs) for energy. But when you eat fewer carbs, your body burns fat for fuel. This state is called "ketosis."

Other purposes of a keto diet include:

• Weight loss
• Better blood sugar control
• Higher energy levels
• Improved mental focus
• Helping with some health problems like epilepsy

What are the benefits of keto diet?

Many people enjoy different keto diet benefits, such as:

• Weight management: Burning fat for energy helps you lose extra body fat faster.
• Reduced hunger: Eating more fats and proteins keeps you feeling full for longer.
• Better blood sugar control: Helpful for people with type 2 diabetes or insulin resistance.
• More energy: Without sugar highs and crashes, energy levels stay steady.
• Improved brain function: Some people find they can think more clearly on a keto diet.
• Lower triglycerides: Keto can help improve your heart health by reducing bad fats in the blood.

Keto diet side effects

While it has many benefits, there can also be keto diet side effects, especially in the beginning. This is called the "keto flu."

Common side effects include:

• Headaches
• Feeling tired or weak
• Dizzyness
• Nausea
• Irritability
• Trouble sleeping
• Constipation

Foods to include in your keto menu plan

When planning your meals, choose foods that are low in carbs but high in healthy fats and proteins.

Keto food diet list:

• Meat: Beef, chicken, turkey, lamb
• Fish: Salmon, sardines, tuna, mackerel
• Eggs
• Healthy oils: Olive oil, coconut oil, avocado oil
• Nuts and seeds: Almonds, walnuts, chia seeds, flaxseeds
• Low-carb vegetables: Spinach, kale, broccoli, cauliflower, courgettes
• Full-fat dairy: Cheese, yoghurt, cream, butter
• Avocados

What food should you avoid during a keto diet plan?

To stay in ketosis, you must avoid foods high in carbs.

Foods to avoid:

• Bread, pasta, rice and cereals
• Sugary foods: Cakes, sweets, ice cream, chocolates
• Fruits high in sugar: Bananas, apples, grapes, mangoes
• Root vegetables: Potatoes, carrots, parsnips
• Processed foods: Crisps, fast food, ready meals
• Soft drinks and fruit juices
• Beer and sweet alcoholic drinks

How to create a keto diet menu plan

Creating a keto meal plan is simple once you know what foods to include and avoid.

Steps to make your plan:

1. Pick your proteins: Choose meats, fish or eggs for your meals.
2. Add healthy fats: Cook with oils or add avocados, nuts and seeds.
3. Choose low-carb veggies: Fill half your plate with leafy greens and colourful low-carb vegetables.
4. Plan for snacks: Keep nuts, cheese or boiled eggs handy.
5. Stay hydrated: Drink a lot of water, herbal teas and sometimes coffee.
6. Track your carbs: Use a food diary to make sure you are staying under your carb goal.

Tips for following a keto diet

The following are some helpful keto diet tips:

• Plan your meals: It's easier to stick to keto when you have meals ready.
• Meal prep: Cook in bulk to save time and avoid reaching for carb-heavy foods.
• Read labels: Carbs can hide in sauces, dressings and packaged foods.
• Stay hydrated: Drink water to avoid dehydration.
• Add extra salt: Your body loses salt on keto, so it's good to add a bit more to your food.
• Be patient: It can take a few days or weeks to see big changes.

Following these tips for starting keto will help you diet more safely and easily.

FAQs

1. How long does it take to enter ketosis?

It usually takes 2 to 4 days of eating less than 50g of carbs a day.

2. Can I eat fruit on keto?

You can eat small amounts of low-carb fruits like berries.

3. Do I have to count calories?

Not always. Focusing on eating keto foods and staying full, you often eat fewer calories naturally.

4. Can vegetarians do keto?

Yes, focus on ketogenic diet foods like dairy, nuts, seeds and low-carb vegetables.

5. Is keto safe long-term?

For many people, yes, but it's a good idea to check with your doctor, especially if you have health problems.

Conclusion

The keto diet is a good way to change your body's energy system and manage your weight. By focusing on low-carb, high-fat foods and following a smart meal plan, you can enjoy the many benefits of this lifestyle. When starting a new diet or making big health changes, reviewing your health insurance policy is a good idea. Having health insurance for family ensures you and your loved ones are protected against unexpected medical expenses and gives you access to essential wellness services. Many modern health plans now include coverage for diet consultations, preventive care, regular health check-ups and sometimes even support for lifestyle or weight management programs.

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.

FAD diets are popular weight-loss meal plans that promise quick results. While many people try FAD diets to lose weight fast or change their eating habits, it is important to understand how they work. This guide explains the purpose of a FAD diet, their possible benefits and side effects and how to plan meals safely if you follow one.

What is the purpose of a FAD diet?

The definition of a FAD diet usually includes strict rules, limited food choices and promises of fast results without long-term lifestyle changes.

Main purposes of a FAD diet:

• Quick weight loss in a short time
• A fresh start to eating healthier
• To follow the latest health or beauty trend
• Sometimes used before special events (e.g. weddings, holidays)

What are the benefits of FAD diet?

While many health experts warn about FAD diets, some short-term benefits of FAD diets include:

• Fast results: Some people lose weight quickly at first.
• Motivation boost: Quick changes may encourage people to keep going.
• Increased awareness: Helps people notice bad eating habits.
• Structured plan: Easy-to-follow rules for beginners.

FAD diet side effects

Common side effects of FAD diet include:

• Lack of energy: Low-calorie intake can make you feel tired.
• Nutrient deficiencies: Many FAD diet programs cut out key food groups.
• Muscle loss: Losing weight too fast can cause muscle to drop instead of fat.
• Digestive problems: Unbalanced diets may cause constipation or bloating.
• Mood swings: Lack of nutrients can affect mental health.
• Yo-yo dieting: People often regain weight after stopping the diet.

Types of FAD diets

Understanding the fad diet meaning can help you choose the right plan for your needs. The different types of FAD diets have their own rules and goals, but most focus on cutting calories or food groups. Here are some popular ones:

Foods to include in your FAD menu plan

The foods you eat will directly depend on which FAD diet you choose. However, most plans include:

• Fresh vegetables – spinach, carrots and broccoli
• Fruits – berries, apples and bananas (some diets limit fruit)
• Lean proteins – chicken, turkey, eggs, tofu
• Healthy fats – olive oil, nuts, avocados
• Whole grains – in some diets, like paleo or certain low-carb plans
• Plenty of water – helps with digestion and staying full

What food should you avoid during a FAD diet plan?

Most FD diet cut out certain foods to help reduce calorie intake or change how your body uses energy.

Common foods to avoid:

• Sugar and sweets – like cakes, fizzy drinks and chocolates
• White bread and pasta – refined carbs are often restricted
• Processed foods – frozen meals, crisps and fast food
• Dairy – some diets cut milk, cheese and yoghurt
• Alcohol – high in calories and slows fat loss
• Fried foods – high in unhealthy fats

How to create a FAD diet menu plan

Creating FAD diet plans can help you stay on track. Here's how to build one:

1. Pick a diet: Choose a FAD diet that suits your body and lifestyle.
2. Learn the rules: Read what to eat and avoid.
3. Make a meal schedule: Plan meals for breakfast, lunch, dinner and snacks.
4. Meal preparation: Cook ahead to avoid reaching for junk food.
5. Track your progress: Use a journal or app to see what works.
6. Stay hydrated: Water is key for health and weight loss.

Tips for following a FAD diet

To get the best results and avoid problems, follow these tips:

• Don't skip meals: It can cause overeating later.
• Listen to your body: Stop if you feel dizzy, weak or unwell.
• Avoid extreme diets: Don't follow any plan that starves you.
• Do short-term only: FAD diets are not for long-term use.
• Exercise: Light workouts can support weight loss.
• Sleep well: Good rest helps control appetite.
• Stay realistic: Know that results may not last forever.

FAQs

1. Are FAD diets safe?

Some are safe for a short time, but always ask a doctor first.

2. Can I lose weight fast on a FAD diet?

Yes, but the weight may come back after stopping the diet.

3. Can I exercise on a FAD diet?

Light exercise is usually fine, but avoid heavy workouts if your calories are too low.

4. What if I feel unwell?

Stop the diet and talk to a healthcare professional.

Conclusion

FAD diets can generally look like a quick solution, and if you decide to try one, make sure you follow a safe plan. Besides maintaining a healthy diet, investing in health insurance that can safeguard your finances against sudden health emergencies is essential. Opt for solid individual health insurance that provides coverage against various medical needs, including hospital stays, outpatient care, prescription medications, preventive services, emergency care and specialist treatments.

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

A healthy diet gives the body the necessary nutrients to work properly. It can help you manage weight, give you more energy and minimise your risk of many health problems. This dieting guide will help you know the purpose of dieting, the types of food you should eat or avoid and some helpful tips for sticking to your diet.

What is the purpose of dieting?

The main purpose of the different types of diet plans is to improve your health. People may diet for different reasons, such as:

• To lose or manage weight
• To lower the chance of illnesses like diabetes, heart disease or high blood pressure
• To improve energy and mood
• To support fitness and exercise goals
• To manage certain health conditions or food allergies

What are the benefits of diet?

Here are some of the top benefits of diet:

Side effects of dieting

Common side effects of diet include:

• Feeling tired or weak
• Headaches
• Mood swings or irritability
• Feeling hungry often
• Nutrient deficiencies
• Digestive problems like constipation
• Losing muscle instead of fat (if not eating enough protein)

Foods to include in your diet plan

Here are some foods you should include regardless of which type of diet you follow:

1. Fruits and vegetables

• Full of vitamins, minerals and fibre
• Eat a variety of colours every day

2. Whole grains

• Brown rice, oats, quinoa and whole wheat bread
• Good for energy and digestion

3. Lean protein

• Chicken, turkey, fish, eggs, beans, lentils, tofu
• Helps build muscle and keeps you full

4. Healthy fats

• Avocados, nuts, seeds, olive oil, fatty fish
• Supports brain and heart health

5. Dairy or dairy alternatives

• Milk, yoghurt, cheese or plant-based options like almond or soy milk
• A good source of calcium for bones

6. Plenty of Water: Keeps you hydrated and helps control hunger

What food should you avoid during dieting?

Try to limit the following to get all the benefits of dieting:

• Sugary foods and drinks
• Processed foods
• Refined carbs
• Fried foods

How to create a diet menu plan

Here's a healthy diet guide to create a simple menu plan:

• Set your goals: Consider whether you want to lose weight, get energy or improve your health.
• Choose your calorie level: Base this on your age, body size and how active you are.
• Pick foods from all food groups: Make sure your meals are balanced and have a variety of nutrients.
• Plan your meals: Aim for three main meals and one or two healthy snacks per day.
• Prepare in advance: Cook in batches or prep ingredients ahead of time.

Tips for following dieting

Here are some simple tips for dieting:

• Eat slowly: This gives your body time to realise when it's full, helping you avoid overeating.
• Drink water regularly: Sometimes when you feel hungry, you're just thirsty.
• Keep healthy snacks nearby: Having fruit, nuts or yoghurt ready can stop you from reaching for junk food.
• Don't ban foods completely: Allowing the occasional treat can stop you from feeling restricted.
• Focus on progress, not perfection: Small, steady changes are more important than being perfect every day.

FAQs

1. How much water should a person drink daily?

Aim for 6–8 glasses a day, more if you're active.

2. Is it bad to have cheat meals?

Occasional treats can help you stay on track long-term.

3. Can I lose weight without exercising?

Yes, but combining diet and exercise gives better results.

4. Are all carbs bad?

No, whole grains and vegetables are healthy carbs. Avoid refined foods to be safe from the disadvantages of diet.

Conclusion

A healthy diet is not always about strict rules or starving yourself. It's about making smart choices, eating balanced meals and listening to your body. It's also important to think beyond just food. Health insurance for family can help by covering hospitalisation, doctor consultations, diagnostics and emergency care. Having solid medical insurance ensures you can get the care you need without worrying about large medical bills.

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.