The macrobiotic diet is a plant-based diet focusing on whole grains, vegetables, and natural foods while avoiding processed items. It promotes balance and mindful eating, rooted in Japanese and Chinese dietary principles.

This guide covers the macrobiotic diet plan, the macrobiotic diet food list, and practical tips to help transition smoothly.

What is macrobiotic diet?

Developed by Japanese philosopher George Ohsawa in the 1920s, the macrobiotic diet is based on eating foods that promote harmony between the body and nature. It follows the yin and yang principles, focusing on consuming natural, seasonal, and minimally processed foods.

Key principles

• Emphasis on whole grains as a staple.
• Inclusion of fresh vegetables, legumes, and fermented foods.
• Avoidance of refined sugar, processed foods, and dairy.
• Preference for locally grown, seasonal, and organic produce.
• Balanced meals with simple cooking techniques like steaming, boiling, or stir-frying.

Benefits of macrobiotic diet

Following a macrobiotic diet can support overall well-being. While it is not a guaranteed cure for any condition, it may aid in:

• Cancer management support:

  High-fibre, plant-based foods may help maintain cellular health and support overall well-being during cancer treatment.

• Diabetes control:

  Whole grains and fibre-rich foods can help maintain blood sugar levels and may aid in diabetes management.

• Better digestion:

  High fibre intake from whole grains and vegetables can support gut health.

• Weight management:

  Being naturally low in processed foods and added sugars, this diet can help with weight management.

• Balanced energy levels:

  Whole foods provide steady, long-lasting energy.

• Heart health:

  The diet’s emphasis on plant-based, low-fat foods may contribute to better heart health.

• Mindful eating:

  Encourages a conscious approach towards food choices and portion control.

• Improved immunity:

  Nutrient-dense, antioxidant-rich foods may help strengthen the immune system and overall resilience to illness.

Note: As with any diet, professional advice should be taken before making major dietary changes.

Meal plans for macrobiotic diet

For beginners, transitioning to a macrobiotic diet plan can be easier with a structured meal guide. Below is a 7-day meal plan that incorporates a variety of macrobiotic food options suitable for Indian diets.

Weekly macrobiotic diet plan

Foods list in macrobiotic diet

A macrobiotic diet food list mainly includes whole, plant-based, and fermented foods. Here’s a list of macrobiotic foods:

Whole grains (50-60% of diet)

• Brown rice
• Barley
• Millet
• Quinoa
• Buckwheat

Vegetables (25-30% of diet)

• Leafy greens (spinach, mustard greens)
• Root vegetables (carrots, sweet potatoes)
• Cruciferous vegetables (cabbage, cauliflower)

Legumes and beans (10-15% of diet)

• Lentils (moong dal, masoor dal)
• Chickpeas
• Tofu and tempeh (fermented soy products)

Fermented foods

• Miso
• Pickled vegetables
• Sauerkraut

Natural condiments

• Sea salt
• Soy sauce
• Mustard

Foods to avoid

• Processed and refined foods
• Dairy and animal products (except occasional fish)
• Artificial sweeteners and sugar

Tips for following macrobiotic diet

Adopting a macrobiotic diet can be a big lifestyle shift. Below are some practical suggestions to help keep on course:

• Begin by replacing processed grains with whole grains.
• Avoid deep-frying and opt for steaming or stir-frying.
• Choose local fruits and vegetables.
• Adjust portions and foods based on how you feel.
• Drink warm or room-temperature water instead of cold beverages.

Conclusion

While a well-balanced macrobiotic diet plan supports overall well-being, having a strong financial backup for medical emergencies is just as important. 

A mediclaim policy helps cover hospitalisation costs in case of illness, while family health insurance ensures financial protection for the entire household. Those preferring personalised coverage can explore individual health insurance options. A suitable insurance plan goes hand in hand with a healthy lifestyle, ensuring quality care is always within reach.

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.

Unexplained headaches, digestive issues, skin irritation, or sinus congestion could be linked to histamine intolerance. Histamine is a natural compound involved in immune responses and digestion, but some struggle to break it down effectively. This can lead to an overload, triggering various symptoms.

A low histamine diet helps manage these symptoms. This guide provides a structured meal plan, a low histamine food list, and practical tips to make the transition smoother.

What is low histamine diet?

Histamine is a chemical involved in immune responses, digestion, and neurological functions. While the body naturally produces histamine, it is also found in many foods. Some individuals have difficulty breaking down histamine due to a deficiency of diamine oxidase (DAO), an enzyme that helps metabolise it. This can result in histamine buildup, leading to symptoms such as:

• Skin irritation, redness, or hives
• Headaches or migraines
• Nasal congestion or sinus issues
• Bloating, diarrhoea, or nausea

A low histamine diet helps reduce these symptoms. It is not a permanent diet but is often followed as an elimination phase before gradually reintroducing certain foods.

Benefits of low histamine diet

While this diet does not “cure” histamine intolerance, it may help reduce the frequency and severity of symptoms. Key benefits include:

1.      Reduced digestive discomfort:

A diet low in histamine may ease bloating, nausea, and gut inflammation.

2.      Better skin health:

Many histamine-sensitive individuals experience rashes and itching. Avoiding high-histamine foods may help improve skin conditions.

3.      Fewer headaches and sinus issues:

Some studies suggest high histamine levels contribute to migraines and sinus congestion. A low histamine diet can help reduce these triggers.

Since histamine intolerance varies among individuals, consulting a healthcare provider before making dietary changes is recommended.

Meal plans for low histamine diet

A structured meal plan ensures a balanced diet while minimising histamine intake. Below is a sample one-week low histamine meal plan:

Note: Fresh meals are ideal as leftovers can accumulate histamine over time.

Foods list in low histamine diet

A structured low histamine diet food list makes it easier to follow the diet and avoid triggers.

Low histamine foods

Proteins:

• Fresh chicken, turkey, lamb
• Fresh eggs
• Fresh paneer (not aged)
• Tofu (unfermented)

Vegetables:

• Carrots, cucumbers, bottle gourd, pumpkin
• Sweet potatoes, potatoes
• Fresh leafy greens (except spinach)

Fruits:

• Apples, pears, watermelon, mango
• Coconut, papaya, banana (in moderation)

Grains & pulses:

• Rice, quinoa, oats, millet
• Moong dal, toor dal, chana dal (in moderation)

Dairy & alternatives:

• Fresh milk, ghee
• Coconut milk, almond milk

High histamine foods

• Fermented foods (pickles, kimchi, soy sauce)
• Aged cheeses (cheddar, parmesan)
• Processed meats (sausages, salami)
• Certain vegetables (tomatoes, spinach, brinjal)
• Citrus fruits (oranges, lemons)
• Leftovers (histamine increases over time)

For a complete low histamine diet food list that suits your needs, consult a dietitian.

Tips for following low histamine diet

Transitioning to a low histamine diet can be challenging, but these tips can help:

• Avoid leftovers as histamine levels rise over time.
• Many packaged foods contain preservatives that may trigger symptoms.
• Drinking enough water supports digestion and overall health.
• Include different low histamine foods for balanced nutrition.
• If testing tolerance levels, add one new food at a time.

Conclusion

Managing histamine intolerance often requires doctor visits, diagnostic tests, and dietary changes. A mediclaim policy can help cover allergy testing and consultation expenses.

Family health insurance ensures comprehensive coverage for families with multiple members experiencing food sensitivities. Alternatively, individual health insurance provides tailored coverage for specific medical needs.

Choosing the right mediclaim policy can reduce financial stress while focusing on dietary adjustments and long-term health management.

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 Dukan Diet is a high-protein and low-carbohydrate weight loss plan developed by French physician Pierre Dukan. This diet is divided into four phases to help you with weight management and maintain long-term results. The diet emphasises specific food choices at each phase to promote healthy habits.

This Dukan Diet guide lists its principles, benefits, and other essential details to build a roadmap for achieving your fitness goals.

What is Dukan diet?

It is a structured weight-loss program that emphasises high-protein, low-carb foods. The Dukan Diet schedule is divided into four phases: Attack, Cruise, Consolidation, and Stabilisation. Each phase has specific rules and goals to maximise fat loss while preserving muscle mass.

The first phase, Attack, focuses on rapid weight loss by consuming lean proteins. The Cruise phase introduces non-starchy vegetables, while the Consolidation phase gradually reintroduces other food groups. The final phase, Stabilisation, is a lifelong maintenance plan to ensure you keep the weight off. This structured approach makes the Dukan Diet plan effective for many individuals.

Benefits of Dukan diet

The Dukan Diet plan provides several potential benefits. Here are a few of them:

1. Helps in weight management
2. Easy-to-follow program
3. Helps reduce hunger pangs
4. Preserves lean muscle mass

Meal plans for Dukan diet

Creating a Dukan Diet plan involves selecting appropriate foods for each phase. Below are sample meal ideas:

1. Attack phase:

   This lasts 2 - 7 days and focuses on lean proteins like chicken, turkey, eggs, and fish. You can also consume low-fat dairy products and oat bran. Here are some meal ideas to consider:

• Breakfast: Scrambled egg whites with smoked salmon.
• Lunch: Grilled chicken breast seasoned with herbs.
• Dinner: Baked cod fillet with cottage cheese.

2. Cruise phase:

   This phase introduces non-starchy vegetables, alternating between protein days and protein-plus-vegetable days. This continues until you reach your target. Ideas for this phase include:

• Breakfast: Omelet with spinach and mushrooms.
• Lunch: Turkey salad with mixed greens and cucumbers.
• Dinner: Lean beef stir-fry with broccoli and bell peppers.

3. Consolidation phase:

   Fruits, whole grains, and cheese are gradually introduced into the diet. The duration of this phase is determined by the amount of weight lost, lasting five days for every pound lost during the previous phase. Here is a meal plan idea for this phase:

• Breakfast: Greek yoghurt with a serving of berries.
• Lunch: Whole-grain sandwich with lean ham and lettuce.
• Dinner: Grilled chicken with steamed vegetables and quinoa.

4. Stabilisation phase:

   It is a lifelong maintenance plan where you can eat normally but follow a few key rules, such as having one pure protein day per week and consuming oat bran daily. In the stabilisation phase, you can eat:

• Breakfast: Oat bran porridge with a sprinkle of cinnamon.
• Lunch: Salmon salad with avocado and mixed greens.
• Dinner: Roasted turkey with sweet potatoes and a side salad.

Foods list in Dukan diet

The Dukan Diet list focuses on food items with high-protein, low-carb content. During the 1st phase of the program, you can eat lean meats, fish, poultry and oat bran. The second phase prescribes a combination of proteins and non-starchy vegetables. However, high-carb foods like bread, pasta, rice, and sugary snacks are off-limits.

The consolidation period (3rd phase) is more about reintroducing food items into the diet. You gradually reintroduce foods like whole grains, fruits, and cheese during this phase. Moreover, you can eat your favourite foods once or twice a week. At the stabilisation phase, you follow consolidation phase guidelines in moderation. 

Tips for following Dukan diet

To effectively adhere to the Dukan Diet schedule, consider the following tips:

1. Stay hydrated:

   Drink adequate water to support metabolism and kidney function.

2. Plan meals:

   Prepare meals early to ensure compliance with dietary guidelines.

3. Eat oat bran:

   Oat bran is a key component of the Dukan diet list. It helps keep you full and supports digestion.

Conclusion

The Dukan Diet plan offers a structured weight management program based on a high-protein, low-carbohydrate framework. However, it is essential to approach this program cautiously, as dietary changes can impact your overall health. It is always recommended to consult experienced medical professionals to assess your current health condition. You can count on health insurance plans to help cover the cost of these consultations. An individual health insurance policy can reduce out-of-pocket medical consultation expenses, making prioritising your well-being easier.

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.

Quinoa seeds have gained immense popularity over the last few years because of their numerous benefits.Often called a superfood, it is a gluten-free, protein-packed seed containing all nine essential amino acids that our bodies cannot make independently. 

This blog discusses everything related to quinoa seeds and their nutritional benefits.

Significant benefits of quinoa seeds

The high nutritional value of quinoa seeds makes them beneficial to many people, particularly those following plant-based diets or needing gluten-free options. The health benefits of quinoa seeds are:

• High in fibre: Quinoa is rich in fibre, which helps regulate bowel movements. It also feeds good bacteria in the stomach that help support digestive health. Also, the high fibre content increases the sensation of fullness, leading to lesser overall calorie intake.
• Rich in antioxidants: Quinoa is packed with antioxidants, including quercetin and kaempferol, that help fight oxidative stress and reduce inflammation. It is known to potentially lower the risk of chronic illnesses like heart issues and cancer.
• Support heart health: Quinoa contains heart-friendly nutrients such as magnesium, potassium, and fibre that can help maintain blood pressure, lower cholesterol levels, and reduce the risk of cardiovascular diseases.
• Regulate blood sugar levels: Quinoa helps maintain stable blood sugar levels in the body because of its low glycemic index, making it an excellent option that helps manage blood sugar and diabetes.
• Gluten-free alternative: Quinoa is gluten-free and good for people with celiac disease or gluten intolerance. Quinoa seed nutrition can replace wheat, barley, or other gluten-containing grains.
• Promotes weight management: Quinoa can facilitate weight reduction as its high protein and fibre content diminish appetite and promote satiety.
• Supports bone health: These seeds also contain essential minerals like magnesium, phosphorus, and calcium for maintaining strong and healthy bones.

How to consume quinoa seeds?

One can gain the benefits of quinoa seeds by adding them to the diet in several ways:

Importance of health insurance

While maintaining a healthy diet can help prevent diseases, health insurance plans are vital for financial protection in unexpected situations. Health insurance provides safety coverage in case of hospitalisation, medical treatment, and even preventive care, ensuring you are taken care of in any situation.

FAQs

1. Is quinoa better than rice?

Quinoa is considered more nutritious than rice. It contains more protein, fibre, and essential vitamins and minerals.

2. Can I eat quinoa every day?

Quinoa can be eaten daily as they ensure proper and balanced nutrition.

3. Is quinoa safe for people with diabetes?

Yes. Because of its low glycemic index, quinoa helps regulate blood sugar levels.

Conclusion

Quinoa packs more nutrients than most grains and is rightly known as a superfood. With its high amount of protein and minerals, it is also regarded as a complete food. Adding quinoa to your diet could benefit you in many ways. Although a proper diet helps maintain a healthy body, health insurance is indispensable for financial security. Balancing adequate nutrition and excellent individual health insurance will help you live a healthy and secure life.

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.

For centuries, the benefits of eating white sesame seeds have made them a part of traditional medicine and cuisines. Loaded with nutrients like proteins, healthy fats, fibre, antioxidants, and minerals, white sesame seeds are an excellent dietary addition.

Significant benefits of white sesame seeds

White sesame benefits are as follows:

• Rich in antioxidants: They're a rich source of antioxidants, including sesamin and sesamol, which help fight oxidative stress. It can also help reduce cell inflammation and prevent damage.
• Supports heart health: These tiny white seeds are a good source of healthy fats such as omega-6 fatty acids with many beneficial effects. It can help lower (LDL) bad cholesterol levels, raise good cholesterol levels (HDL), help maintain blood pressure, and reduce the risk of cardiovascular disease.
• Aids digestion: The high fibre content in white sesame seeds supports digestive health by regulating bowel movement and preventing constipation.
• Promotes healthy skin and hair: These seeds can help strengthen hair and prevent hair loss. They can also help improve blood circulation on the scalp, stimulating hair growth.
• Regulates blood sugar levels: White sesame’s magnesium and fibre content make it suitable for controlling blood sugar. Thus, it is good for diabetic people or those looking to keep their glucose levels in check.
• Supports liver health: Sesamin, a potent compound in white sesame seeds, is easily one of the best aids in minimising oxidative stress around the liver and ensuring proper liver functioning.
• Boosts immune function: These seeds also contain zinc, iron, and other useful nutrients for a healthy immune system and can help prevent infections and illnesses.
• Improves cognitive function: White sesame seeds contain compounds that help enhance brain functions, boost memory, and even play a crucial role in reducing the occurrence of neurodegenerative disorders like Alzheimer’s.
• Balances hormonal levels: The lignans present in white sesame seeds help maintain hormonal balance, especially in women undergoing menopause.

How to consume white sesame seeds?

One can reap the benefits of white sesame seeds by including them in their diet in different ways:

Importance of medical insurance

While consuming a healthy diet is necessary to avoid diseases, comprehensive health insurance is a must, as it provides coverage during medical emergencies. Health insurance plans cover expenses for hospitalisation, medication, doctor visits, and check-ups. These can help individuals and families cope with health-related costs and enable access to quality healthcare without worrying about the costs.

FAQs

1. Are the nutritional values of white and black sesame seeds the same?

Essentially, both varieties of sesame seeds are in the same rank in terms of nutrition. However, black sesame seeds are believed to have higher potency in antioxidants and health benefits.

2. Can white sesame contribute to weight loss?

The fat and fibre content of white sesame seeds can induce fullness and prevent excessive cravings, thereby contributing to weight control.

3. How much white sesame should I eat every day?

One to two tablespoons of white sesame seeds per day is good. Remember, moderation is the key.

Conclusion

White sesame seeds are nutrient-packed food that can benefit your heart, improve digestion, strengthen bones, and enhance your skin. A balanced diet with superfoods such as white sesame seeds is paramount for overall well-being. However, an equally important component is complete individual health insurance coverage to protect you from the financial risk of sudden medical expenses.

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 Maharashtra government launched the Ladki Bahin Yojana scheme to empower women economically through financial assistance. It aims to improve women's social and economic status and enhance their opportunities for education, healthcare, and livelihood.  This initiative, complying with the government's broader goals for women's welfare, targets improving the quality of living.

Ladki Bahin Yojana Maharashtra: Overview

The Maharashtra government launched the Mukhyamantri Majhi Ladki Bahin Yojana to assist women from economically weaker backgrounds. The programme provides direct financial assistance to eligible women to help them with expenditures of education, health, and other daily necessities. The scheme hopes to empower women and promote gender equality by reducing financial barriers.

Mukhyamantri Ladki Bahin Yojana benefits

The Ladki Bahin Yojana benefits women in multiple ways, including:

• Financial assistance: Women receive a fixed amount of financial aid from the government to support their daily expenses.
• Education support: The scheme helps young girls continue their education without financial constraints.
• Healthcare benefits: The funds can be used for medical expenses if the person does not have medical insurance
• Livelihood support: Encourages women to pursue skill development and entrepreneurial activities.
• Social security: Aims to reduce gender inequality by providing economic stability.

Ladki Bahin Yojana eligibility

The following criteria need to be met for Ladki Bahin Yojana eligibility:

• The applicant must be of Maharashtra.
• Only female applicants can apply.
• Women aged between 18 and 60 years can apply.
• The women must belong to economically weaker sections.
• An active bank account to receive monetary assistance.

Inclusions and exclusions under Ladki Bahin Yojana Scheme

Inclusions:

• Women from economically disadvantaged backgrounds.
• Single mothers, widows, and women with disabilities.
• Women pursuing education or vocational training.
• Beneficiaries of other government welfare schemes may also be considered.

Exclusions:

• Women from well-to-do families that exceed the income limit.
• Government employees or their dependents.
• Women who benefit from similar state or central government schemes provide financial aid.

How to apply for Ladki Bahin Yojana online?

Eligible women can apply through the official Maharashtra government portal.

• Visit the official government website
• Go to the welfare scheme portal
• Login/Register
• Fill out the application form
• Scan and upload the necessary documents
• Review and submit the form.
• Save or print the acknowledgement for future reference.

Ladki Bahin Yojana form

The application form for Ladki Bahin Yojana is available online on the Maharashtra government portal. It requires the following information:

• Name and personal details
• Residential address
• Income certificate
• Bank account details
• Aadhaar card number
• Educational qualifications (if applicable)

How to check Ladki Bahin Yojana application status?

Applicants can check application status online by:

• Visiting the official website where they applied
• Log into their account using their credentials
• Enter the application number to track the progress
• Check updates on approval, rejection, or pending status

Documents required for Mukhyamantri Ladki Bahin Yojana

There are a few documents required to apply for the scheme:

• Aadhaar card
• Domicile certificate (proof of Maharashtra residency)
• Income certificate
• Bank passbook (showing account details)
• Educational certificates (if applicable)
• Passport-size photographs
• Ration card (if available)

FAQs

• Who is eligible for the scheme?

Women aged 18 to 60 years who are permanent residents of Maharashtra can apply for this scheme.

• How much financial assistance is provided?

There is no fixed amount, but eligible women will receive the financial assistance directly into their bank accounts.

• Can women already enjoying the benefits of other schemes apply?

Depending on the criteria put forth by the government, some other beneficiaries may also be qualified to apply.

Conclusion

The Ladki Bahin Yojana Maharashtra is an initiative to bring financial stability and improve the living standards of women in the state. It provides monetary assistance and educational opportunities to empower women. Besides this scheme, you can also invest in individual health insurance, ensuring comprehensive protection against financial challenges arising from accidents or medical issues.

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

Healthcare expenses can have a huge impact on the finances of low-income families. To address this, the Gujarat government introduced the Mukhyamantri Amrutum Yojana (MA Yojana), a scheme designed to provide underprivileged families with access to quality healthcare without the burden of financial constraints.

This blog discusses everything related to the scheme and how you can benefit from it.

What is Mukhyamantri Amrutum Yojana (MA Yojana)?

The Mukhyamantri Amrutum Yojana (MA Yojana) is an insurance scheme that provides cashless treatment to those facing financial constraints. The coverage includes hospitalisation, surgeries and special treatment.

Mukhyamantri Amrutum (MA) Yojana: Overview

The MA Yojana provides quality medical and surgical care at empanelled hospitals to below-poverty line (BPL) families and lower-income groups. Launched in 2012, it aims to provide comprehensive health insurance to underprivileged individuals and families.

Features and benefits of Mukhyamantri Amrutum Yojana

The key features and Amrutam card benefits are:

• Covers BPL families and lower-income groups
• Offers coverage up to Rs 5 lakh annually per family
• Offers cashless treatment at empanelled hospitals
• It needs to be renewed annually
• No premium to be paid
• Coverage for specialised treatments
• Pre and post-hospitalisation costs included
• Includes allowance for transport to hospitals

List of diseases and treatments covered under MA Yojana

The Amrutum card benefits cover a wide range of treatments:

• Cardiac diseases
• Neurological disorders
• Renal diseases
• Cancer treatments
• Burn treatments
• Orthopaedic surgeries
• Pediatric treatments
• Organ transplants

Inclusions and exclusions under MA Yojana

The inclusions and exclusions are:

Inclusions under MA Yojana:

• Inpatient hospitalisation
• ICU and surgical procedures
• Diagnostic tests and specialist consultations
• Post-surgery follow-ups and rehabilitation
• Emergency ambulance services

Exclusions under MA Yojana:

• OPD consultations without hospitalisation
• Cosmetic or elective surgeries
• Fertility treatments
• Non-emergency dental procedures
• Experimental therapies not approved by medical authorities

Eligibility for Mukhyamantri Amrutum Yojana

The MA Amrutum card eligibility has the following requirements:

• Be permanent residents of Gujarat
• Belong to BPL families or lower-income groups
• Have an annual family income up to Rs 4 lakh
• Possess an Aadhaar card and a valid income certificate

How to enrol in Mukhyamantri Amrutum Yojana?

To enrol in the scheme, follow these steps:

• Visit the nearest enrolment centre
• Provide Amrutum card documents
• Complete biometric verification
• Receive the MA Yojana smart health card

Documents required to apply for MA Yojana

The list of Amrutum card documents are:

• Aadhaar card
• Ration card (for family verification)
• Income certificate
• Residence proof
• Recent passport-sized photographs
• Government-issued ID proof

MA Yojana health card details

The MA Card is essential for availing cashless treatments at empanelled hospitals. It contains:

• The cardholder’s name and photograph
• Unique identification number
• Family details and coverage information

How to renew MA Yojana smart health card?

The MA Yojana card must be renewed annually. To renew:

• Visit an enrollment centre before the card expires.
• Submit the required documents for re-verification.
• Complete biometric verification.
• Receive a renewed health card for continued benefits.

Mukhyamantri Amrutum app

The Gujarat government launched the Mukhyamantri Amrutum App, available on Google Play Store, for people who want access to the scheme on their phones. Features include:

• Checking eligibility
• Finding empanelled hospitals
• Tracking application status
• Downloading policy details

How to download Mukhyamantri Amrutum Yojana application form?

The application form for MA Yojana can be downloaded from the official government website:

• Visit: https://nhm.gujarat.gov.in/mukhya-mantri-amrutam.htm
• Navigate to the application section
• Download and print the form
• Fill and submit at the enrolment centres

How to claim MA Yojana?

To claim benefits under the Mukhyamantri Amrutum Yojana:

• Visit an empanelled hospital
• Present the MA Yojana Health Card at the hospital helpdesk
• The hospital verifies eligibility and submits a pre-authorisation request
• After approval, cashless treatment is provided
• Post-treatment, the hospital submits claims to the government for reimbursement

Mukhyamantri Amrutum Yojana hospital list

The MA Yojana has a vast network of empanelled hospitals across Gujarat. You can find the list by:

• Visiting https://nhm.gujarat.gov.in/mukhya-mantri-amrutam.htm
• Using the MA Yojana App
• Visiting enrollment centres

FAQs

1. Who is eligible for this scheme?

Residents of Gujarat belonging to BPL families or lower-income groups with valid proof of income can apply.

2. What is the health coverage provided under the MA Yojana?

The MA Yojana states that a family can avail of insurance coverage of Rs 5 lakh a year.

Papayas have a rich nutrient profile, but did you know their seeds are just as valuable? If you toss them away, you might miss out on some surprising health benefits of papaya seeds. These tiny seeds are a powerhouse of nutrients and can do wonders for your health. A small handful can boost digestion, combat oxidative stress, and even manage weight.

In this blog, we discuss the various advantages of papaya seeds and how to eat them.

Significant benefits of papaya seeds

Here are some of the top nutritional benefits of papaya seeds:

1. It aids digestion: Papaya seeds contain digestive enzymes that break down proteins into smaller, more easily digestible amino acids. Papaya seeds are also rich in fibre that helps regulate bowel movement and maintain a healthy gut.
2. Reduces oxidative stress: Antioxidants like polyphenols, flavonoids, tannins, alkaloids and saponins neutralise harmful free radicals and inflammation. Moreover, these antioxidants can help prevent cell damage, add glow to the skin and lower the risk of chronic diseases like diabetes.
3. Supports weight management: The fibre content in papaya seeds keeps you satiated for longer and limits the need for unhealthy snacking.
4. Lowers bad cholesterol: Papaya seeds have monounsaturated fatty acids (MUFAs), such as oleic acid. MUFAs help lower bad cholesterol (LDL) while increasing good cholesterol (HDL).
5. Improves kidney health: Papaya seeds can help improve kidney health due to their natural detoxifying and anti-inflammatory properties. They filter toxins from the body and improve overall function.
6. Reduces inflammation: The alkaloids, polyphenols and flavonoids in papaya seeds minimise inflammation associated with arthritis, gout and heart disease.
7. Adds glow to skin health: Papaya seeds are rich in vitamins, minerals, and antioxidants that firm the skin. They support elastin production for reducing wrinkles and fine lines.
8. Boosts immunity: Papaya seeds have anti-amoebic, antibacterial and anti-parasitic properties. They protect you from bacterial infections and boost immunity.

How to consume papaya seeds?

Papaya seeds are safe to consume in moderation, with a recommended limit of one teaspoon per day. However, pregnant women should avoid them, as they may pose a risk to the foetus.

These seeds have a mild, peppery flavour, making them a great addition to various dishes. You can eat them as they are, sprinkle crushed dried seeds over salads, or mix them with a handful of nuts for a nutritious snack. They also blend well into smoothies, adding a subtle kick.

If you prefer a milder taste, try infusing papaya seeds in water for a refreshing and nutrient-rich drink.

Importance of medical insurance

Staying healthy is imperative. Rather than waiting to fall sick, you should eat right, exercise daily, and get regular check-ups. But even with a healthy lifestyle, medical issues can arise unexpectedly. When they do, having the right health insurance ensures you get the care you need without financial stress. A right individual health insurance can cover both preventive and curative treatments. It ensures you receive timely medical care without financial strain. Health insurance plans help with:

• Doctor consultations and regular check-ups
• Hospitalisation costs
• Diagnostics tests and more

FAQs

• What is the most important benefit of eating papaya seeds?

Papaya seeds are packed with essential nutrients and antibacterial agents that boost your overall health.

• Can you eat papaya seeds in their natural form?

You can eat papaya seeds straight from the fruit.

• What are some of the vitamins and minerals found in papaya seeds?

Papaya seeds contain calcium, vitamin C, magnesium, phosphorus and Thiamine, amongst other nutrients.

• How do papaya seeds help manage blood pressure?

Papaya seeds contain phenolic compounds that can cut down oxidative stress and reduce the risk of cardiovascular diseases.

Conclusion

Now that you're aware of the incredible papaya seed benefits for health, it is time to start making the most of them. Instead of discarding them, add them to your morning smoothies and evening salads, or steep them in hot water to make a cup of tea. However, the health benefits of eating papaya seeds are not limited to these. Regular consumption can also support kidney function and add glow to the skin. With all these amazing perks, papaya seeds are a must-have in your daily routine.

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 are a major concern for low-income families. To address this, the government of Kerala has started the Karunya Health Insurance Scheme to provide affordable healthcare to the economically challenged sections of society. The programme is designed to ensure that eligible applicants receive medical treatment without any financial barriers. The scheme covers a wide range of critical illnesses, surgeries, and hospitalisation expenses.

What is the Karunya Health Insurance scheme?

Karunya Health Insurance Scheme, or Karunya Arogya Suraksha Padhathi (KASP), is a scheme entirely funded by the government for the economically backward classes in Kerala. It permits cashless and easy access to medical treatment at approved hospitals. The scheme is implemented alongside the Ayushman Bharat–Pradhan Mantri Jan Arogya Yojana (AB-PMJAY).

Features of Karunya Arogya Suraksha Padhathi

Let us talk about the key features of this scheme:

• Fully funded by the Kerala government.
• Provides cashless services.
• Provides coverage of up to ₹5 lakh per family per year.
• Covers critical illnesses, surgeries, and hospitalisation expenses.
• More than 1,000 empaneled hospitals across Kerala and India.
• Covers pre-existing conditions.
• Covers pre-hospitalisation expenses for up to 3 days and post-hospitalisation expenses for up to 60 days.
• Easy application and claim procedures.

Benefits of the Karunya Health Insurance Scheme

Some of the benefits of this scheme are:

• Financial relief for low-income families.
• Access to quality healthcare services at both government and private hospitals.
• Cashless hospitalisation.
• Treatment for chronic and critical illnesses.
• Coverage for diagnostics and medications during and after treatment.

Coverage of Karunya Health Insurance

The Karunya Health Insurance Scheme covers a wide range of treatments, including:

• Cardiac treatments (Angioplasty, bypass surgery, valve replacement)
• Cancer treatments (Radiation therapy, chemotherapy, surgery)
• Neurological disorders (Brain surgeries, stroke management)
• Renal diseases (Dialysis, kidney transplant)
• Orthopedic procedures (Joint replacement, fracture surgeries)
• Liver and lung diseases
• Emergency trauma care and accident treatments
• Maternity and neonatal care

How does Karunya Health Insurance work?

The scheme works in the following way:

• Applicants must verify eligibility based on income criteria.
• Those eligible can apply online through the official portal.
• Once verified, an e-card or Karunya Health Insurance card is issued.
• Beneficiaries can visit one of the empaneled hospitals and present the card for cashless treatment.
• The hospital processes the claim, and the government directly settles the bill.

Eligibility criteria for Karunya Health Insurance

The following list explains the criteria for Karunya Arogya Suraksha Padhathi eligibility:

• Residents of Kerala with a valid ration card.
• Below the poverty line (BPL) and lower income g
• Annual family income should be less than ₹3 lakh.
• Individuals suffering from critical illnesses requiring financial assistance.
• Individuals not covered under other government health insurance schemes.

How to apply for the Karunya Health Insurance Scheme online?

The steps for the Karunya Arogya Suraksha Padhathi apply online are:

• Visit the official portal: http://karunya.kerala.gov.in
• Register or log in using Aadhaar details.
• Download and fill out the application form.
• Upload it along with scanned copies of the required documents.
• Submit the application.
• After verification, the applicant will receive an approval notification.
• The health card is issued.

Required documents for Karunya Health Insurance

Karunya Health Insurance registration requires the following documents:

• Aadhaar card
• Ration card
• Income certificate
• Residential proof
• Medical reports (if applicable)
• Bank account details
• Passport-sized photographs

FAQs

• Who is eligible for the Karunya Health Insurance Scheme?

Residents of Kerala falling below poverty line or above poverty line categories with an annual income of less than ₹3 lakh.

• What is the maximum coverage provided under the scheme?

The scheme provides aid for up to ₹5 lakh per family per year.

• How will I know my Karunya Health Insurance application status?

You can check the application status by visiting the official Karunya portal.

Conclusion

The KASP is an excellent initiative by the Kerala government for the underprivileged sections of society. One can avail of extensive benefits by enrolling under this scheme. In addition to government schemes like Karunya, it is essential for individuals to consider securing health insurance plans for comprehensive protection. One can also opt for critical illness insurance that provides coverage against life-threatening illnesses such as cancer, heart disease, and stroke, which often involve high treatment costs

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 Chief Ministers Comprehensive Health Insurance Scheme (CMCHIS) aims to provide free or subsidised healthcare to eligible families in Tamil Nadu, alleviating financial burdens associated with medical expenses.

Read along to know everything about the CMCHIS.

What is CM’s Health Insurance Scheme (CMCHIS)?

The Chief Ministers Comprehensive Health Insurance Scheme is a state-sponsored health insurance programme that provides cashless treatment for economically weaker sections.

Key highlights:

• Provides health insurance for family below a certain income threshold.
• Offers cashless treatment at recognised government and private hospitals.
• Covers major surgeries, therapies, and treatments.
• Ensures financial support for medical emergencies.

What is covered under CMCHIS (Amma Health Insurance)?

The CMCHIS offers a comprehensive coverage of medical services.

Coverage includes:

• In-patient hospitalisation.
• Diagnostic procedures.
• Pre and post-hospitalisation costs.
• Surgeries and treatments for critical illnesses.
• Maternity care and neonatal services.
• Therapy for specific chronic diseases.

Features of the Chief Minister Comprehensive Health Insurance Scheme

The chief minister health insurance scheme offers extensive benefits.

Key features:

• Cashless t
• Wide hospital n
• High coverage amount (Rs 5 lakh/family/year).
• Covers major d
• Pre and post-hospitalisation s

Benefits of Chief Minister’s health insurance scheme

The scheme offers multiple benefits for low-income families.

• Reduces out-of-pocket e
• Covers expensive treatments like cardiac surgeries, chemotherapy, and dialysis.
• Covers all age g
• Easy enrollment p
• Emergency medical assistance without worrying about costs.

Diseases and treatments covered under CM’s health insurance scheme

The CMCHIS covers:

• Cardiac procedures.
• Cancer treatment.
• Neurological disorders.
• Renal failure treatments.
• Maternity care.

Eligibility criteria for CMCHIS

To qualify for the CMCHIS, you need to meet the following criteria:

• Residents of Tamil Nadu.
• Families with an annual income of ₹1,20,000 or less.
• Have a ration card with a specific income classification.
• Priority for economically weaker sections.

How to enroll in the Chief Minister’s Comprehensive Health Insurance Scheme?

To apply for CMCHIS online, follow these steps:

• Visit the official CMCHIS portal.
• Check eligibility by entering your ration card details.
• Fill out the application form.
• Submit necessary documents.
• Receive CMCHIS health card upon approval.

Documents required to apply for CM’s health insurance

Submit these documents while applying for the card:

• Ration card
• Aadhaar card
• Address proof
• Income certificate (issued by a local authority)
• Medical certificate (if applicable)

Amma Kapitu Thittam Card download

The steps for CM health insurance card download are simple. Follow these steps for Amma Kapitu Thittam download:

• Visit the official website.
• Enter your Aadhaar number or ration card details.
• Click on “Download CMCHIS Health Card.”
• Save and print your Amma Kapitu Thittam card.

How to download CM health insurance application form?

If you prefer an offline application, follow these steps:

• Visit the CMCHIS website.
• Go to the “Forms” section.
• Click on “Application Form.”
• Download and print the form.

How to search CMCHIS member ID?

To find your CMCHIS member ID:

• Visit the official portal.
• Click on “Search Beneficiary.”
• Enter your ration card or Aadhaar number.
• Click “Search” to retrieve your details.

How to claim CMCHIS?

Claiming benefits under CMCHIS is straightforward.

• Visit an empanelled hospital with your CM health insurance card.
• Show your member ID for verification.
• The hospital submits the claim request to the CMCHIS office.
• Approval and treatment initiation (no upfront payment required).

CMCHIS package list

Some of the procedures covered under the scheme are:

• General surgery
• Cardiology and cardiac surgery
• Neurology and neurosurgery
• Oncology and radiotherapy
• Nephrology and urology

Chief Minister Comprehensive Health Insurance Scheme hospital list

Check the full list of hospitals on the CMCHIS website here- https://www.cmchistn.com/hospitalList.php.

CMCHIS toll-free number and address

For any queries or assistance, contact:

• Helpline number: 1800-425-3993
• Address: Tamil Nadu Health Systems Project, Chennai, Tamil Nadu

FAQs

• Can I apply for CMCHIS online?

Anyone who meets the set criteria can apply for CMCHIS.

• How do I check my CMCHIS application status?

Use your ration card number on the CMCHIS portal.

• Is CMCHIS only for Tamil Nadu residents?

Yes, only Tamil Nadu residents are eligible.

• Does CMCHIS cover pre-existing diseases?

Yes, pre-existing diseases are covered.

Conclusion

The Tamil Nadu government provides free medical services to low-income families through this scheme. It includes coverage for essential procedures, surgical treatments, and long-term medical conditions. However, secure a health insurance policy for long-term planning to ensure a complete financial safety net.

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 Rajiv Aarogyasri Telangana scheme is a crucial health initiative to provide free medical care to low-income families. It ensures financial constraints do not stop people from receiving quality treatment.

This blog will discuss the Aarogyasri Health Care Trust, eligibility, features, and how to apply for the Aarogyasri Card Telangana.

What is Aarogyasri Health Care Trust?

The Aarogyasri Health Care Trust is a government initiative responsible for implementing the Rajiv Aarogyasri scheme in Telangana. The Telangana government oversees it and ensures:

• Proper execution of the health insurance scheme
• Empanelment of hospitals
• Monitoring of treatment and claims
• Awareness campaigns for beneficiaries

This trust plays a crucial role in managing the financial and administrative aspects of the Aarogyasri Card Telangana programme.

What is the Aarogyasri community health insurance scheme?

It is a state-sponsored programme designed for low-income families in Telangana.

Key features:

• Free treatment at government and selected private hospitals up to ₹2 lakh
• Coverage for critical illnesses, including cancer and heart diseases
• Cashless hospitalisation with Aarogyasri Card Telangana
• Special coverage for families below the poverty line

What is the eligibility for the Aarogyasri Telangana scheme?

To avail of the benefits of this scheme, applicants must meet these criteria:

• Must be a permanent resident of Telangana. Aadhaar card or voter ID is required as proof.
• Annual family income should be less than ₹5 lakh. An income certificate issued by local authorities is needed.
• Applicants must hold a white ration card (BPL category).

Who is not eligible?

• Government employees and tax-paying citizens.
• Individuals with existing private health insurance.
• Families with an income exceeding ₹5 lakh per year.

How to log in to Aarogyasri Telangana?

Follow these steps to log into the Aarogyasri Telangana website:

• Visit the official Aarogyasri Telangana website.
• Log in and enter username and password.
• If you don’t have an account, then create one by clicking on the “Sign Up” option.

This website is mainly for registered healthcare providers. If you are a patient, then contact a healthcare provider for assistance.

How to apply for an Aarogyasri card in Telangana?

Follow these steps to apply for an Aarogyasri card in Telangana:

• Visit the Aarogyasri Telangana website.
• Click on the “New Enrollment” tab.
• Fill out the application form. Provide proof of identity and residence.
• Upload scanned copies of required documents.
• Submit the form and wait for verification.

Once your application is approved, you will receive your Aarogyasri card.

What are the features of the Rajiv Aarogyasri health insurance scheme?

The Rajiv Aarogyasri Telangana scheme offers extensive healthcare benefits:

• Cashless hospitalisation.
• Covers critical illnesses.
• Wide hospital network.
• Pre- and post-hospitalisation expenses.

What are the coverages of the Telangana Aarogyasri health insurance scheme?

The scheme provides free coverage for a wide range of medical services, including:

• Surgical procedures
• Medical treatments
• Diagnostics & post-treatment care

Exclusions under Aarogyasri Health Insurance Scheme

While the scheme provides extensive coverage, it excludes:

• Cosmetic and aesthetic surgeries.
• Fertility treatments.
• Dental procedures (unless part of major surgery).
• Treatment for non-life-threatening conditions.

Check the scheme guidelines to understand what is covered before seeking treatment.

Importance of health insurance policy

Having a family health insurance policy is essential, even if you qualify for government schemes like Rajiv Aarogyasri Telangana. The insurance will cover unexpected medical costs and provide financial security.

While the Aarogyasri Card Telangana benefits low-income groups, private health insurance ensures broader coverage for those who can afford it.

FAQs

• How can I check my Aarogyasri Card status in Telangana?

Visit the official Aarogyasri website, enter your application number, and click “Check Status”.

• Can I download my Aarogyasri Card online?

Yes, after approval, you can complete the Aarogyasri Card Download Telangana by visiting the portal.

• Is the Aarogyasri Scheme available for government employees?

No, government employees and tax-paying individuals are not eligible.

• Which hospitals accept Aarogyasri cards?

Aarogyasri is accepted in government hospitals and selected private hospitals. The list is available on the official website.

• Can I get cash benefits under this scheme?

No, the scheme offers cashless treatment but no direct financial aid.

Conclusion

The Aarogyasri Telangana scheme is a vital initiative for providing free healthcare to low-income families. If you qualify for the scheme, visit the official website and Aarogyasri Card apply online TS. Don’t forget to Aarogyasri Card status check Telangana and download the card once approved.

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.

Chia and flax seeds have emerged as popular superfoods, celebrated for their rich nutrient profiles and associated health benefits. Both are excellent sources of dietary fibre, omega-3 fatty acids, protein and essential minerals. Consuming these seeds has been linked to improved digestion, enhanced heart health and better blood regulation. However, despite their similarities, chia and flax seeds possess distinct nutritional attributes.

This article will compare chia seeds vs flax seeds to determine which is healthier and explore their differences to know which seed might be more advantageous for your health.

Nutritional comparison of chia seeds vs. flax seeds

While both seeds are nutrient-dense, the difference between chia and flax is their specific nutrient concentrations. Here is a comparison of chia seeds vs flax seeds:

• Chia seeds: Chia seeds contain antioxidants, omega-3 fatty acids and fibre. They also have a good amount of calcium, magnesium and phosphorus to support bone health.
• Flax seeds: Flax seeds contain fibre and omega-3 fatty acids, specifically alpha-linolenic acid (ALA). Additionally, they contain lignans that are antioxidant and anti-inflammatory.

Difference between chia seeds and flax seeds

Understanding the difference between chia and flax seed can help you decide which to add to your diet. Here are some notable differences between these two seeds:

1. Appearance, texture and taste: Chia seeds are tiny and round and can absorb water to form a gel-like consistency. Flax seeds, on the other hand, are larger, flatter and require grinding for optimal nutrient absorption. Chia seeds have a mild, neutral flavour, whereas flax seeds have a slightly nutty flavour.
2. Shelf life: Chia seeds last longer due to their high antioxidant content, while flax seeds are more prone to oxidation and should be stored in the refrigerator.
3. The calorific value of both seeds is relatively similar.
4. Omega-3 content: Both seeds contain omega-3 fatty acids, but flax seeds have a higher concentration of alpha-linolenic acid.
5. Fibre content: Chia seeds have more soluble fibre, while flax seeds have more insoluble fibre.

Which is better chia seeds or flax seeds?

When comparing chia vs flax seeds, the best choice depends on your goals and dietary requirements. However, incorporating both seeds into your diet can provide well-rounded health benefits. The following health goals can guide you on which seeds to consume:

1. For heart health: Flax seeds may be more beneficial due to their high ALA (alpha-linolenic acid) and lignan content, which help reduce inflammation and improve cholesterol levels.
2. For digestion: Chia seeds contain more soluble fibre, making them excellent for gut health and hydration.
3. To ease bowel movements: Insoluble fibre in flax seeds promotes regular bowel movements.
4. For healthy bones chia seeds provide more calcium, magnesium and phosphorus.
5. Muscle building: Flax seeds contain more protein, making them a better option for those focusing on muscle development.

Importance of health insurance policy

A well-rounded diet, including superfoods like chia and flax seeds, improves health. However, you must also take certain measures to ensure all-round protection during unforeseen events. Health insurance plans support access to excellent healthcare services. Insurance policies also ensure financial support during sudden medical emergencies and provide peace of mind so that you can solely focus on your health. You can choose individual or family health insurance plans depending on your requirements.

FAQs

1. Can I eat both chia seeds and flax seeds together?

Consuming a mix of seeds can provide a broader spectrum of nutrients and health benefits.

2. Do I have to grind flax seeds before consuming them?

Grinding flax seeds helps your body absorb their nutrients more effectively.

3. How much chia or flax seeds should I eat daily?

A recommended serving is 1-2 tablespoons of flax seeds daily.

4. Which seed is better for weight management?

Both are beneficial, but chia seeds’ high soluble fibre content helps with satiety and hydration.

5. Are there any side effects of consuming chia or flax seeds?

Consuming large amounts of either seed without adequate water can cause digestive discomfort. Moderation is key.

Conclusion

The debate between the two seeds comes down to personal health goals and preferences. The difference between chia seeds and flax seeds lies in their fibre, omega-3 content, and health benefits. Maintaining good health goes beyond a healthy diet, exercise and lifestyle. Health insurance policies ensure financial and medical protection, complementing a nutritious lifestyle.

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.

Planning for retirement is very important to ensure financial security in later years. The National Pension Scheme (NPS) is a government-backed scheme to assist individuals in saving for their retirement in a structured and tax-efficient manner. This blog explores the key aspects of the NPS scheme, including its types, benefits, eligibility for NPS, and more.

What is the National Pension Scheme (NPS)?

NPS is a voluntary retirement savings plan available to all Indian citizens. The central government introduced it to provide financial security during retirement.

Types of NPS accounts

NPS has a structured approach with two types of accounts:

• Tier-I account: It is mandatory for all NPS subscribers, primarily for retirement savings. Here, withdrawals are restricted as per exit rules. The minimum initial contribution is ₹500. Additionally, you must deposit ₹1,000 annually to keep the account active.
• Tier-II account: It is an optional account with flexible withdrawals. Although it has no minimum balance requirement, you must maintain an active Tier-I account. You will require a minimum contribution of ₹250 to open.

Objectives of the National Pension System

The NPS was launched with the specific goal of providing a reliable pension system for Indian citizens.

Features of NPS (National Pension Scheme)

Some of the features of NPS are:

• Low-cost structure
• Investments in multiple asset classes
• Flexibility to choose fund managers
• Tax-saving benefits

Benefits of National Pension Scheme

The following are the benefits of National Pension Scheme:

1. It encourages disciplined savings for the future.
2. Tax benefits under Sections 80CCD(1) and 80CCD(1B).
3. Higher growth potential compared to traditional pension plans.

Who should invest in NPS?

NPS is suitable for:

• Salaried employees
• Self-employed professionals
• Individuals in private-sector jobs

National Pension System eligibility

Any Indian citizen/Overseas Citizen of India (OCI)/NRI aged 18-70 can enrol in NPS.

How to open an NPS account?

To open an online National Pension Scheme account, you need to follow the steps:

1. Visit the official e-NPS portal.
2. Click on “Open NPS Account” and select individual/corporate.
3. Provide Aadhaar/PAN details for verification.
4. Choose a fund manager and investment mode.
5. Make the minimum contribution and generate a PRAN (Permanent Retirement Account Number).

How to open an NPS account offline?

To open your NPS account offline, you need to follow these steps:

1. Visit a Point of Presence (POP) such as a bank or financial institution.
2. Fill out the NPS registration form and submit KYC documents.
3. Choose your investment preference and fund manager.
4. Make the first contribution and receive your PRAN card.

How to login to your National Pension Scheme account?

After NPS online registration, you can visit the official NPS website. There, click on “Login” and enter your PRAN and password. Access account details and transactions and make contributions online.

How is NPS calculated?

NPS returns depend on contribution amount, duration, asset allocation and market performance. The pension calculator helps estimate future pension benefits based on these factors.

National Pension Scheme (NPS) interest rate

The NPS scheme is market-linked and does not have a fixed interest rate. Returns vary based on the chosen asset allocation:

• Equity (E)
• Corporate bonds (C)
• Government bonds (G)

NPS and other tax-saving instruments

Here is a comparison of the NPS and other tax-saving instruments:

How to use NPS withdrawal money?

Upon retirement, you can:

• Withdraw up to 60% as a lump sum (tax-free).
• Invest at least 40% in an annuity plan to receive regular pension income.
• Opt for phased withdrawals as per financial needs.

FAQs

1. Can I open an NPS account online?

Yes, through the e-NPS portal with Aadhaar or PAN.

2. How does NPS provide tax benefits?

Investments are eligible for deductions up to ₹2 lakh under various tax sections.

3. What asset classes are available under NPS?

The asset classes available are Equity (E), Corporate Bonds (C), Government Bonds (G), and Alternative Assets (A).

Conclusion

The National Pension Scheme (NPS) is a great option for those seeking to secure retirement with market-linked returns, tax benefits and flexible investment options. Whether you are a salaried employee, self-employed, or an NRI, NPS offers a well-regulated and cost-effective solution to ensure financial stability post-retirement.

In addition to securing retirement savings, individuals should consider investing in health insurance plans to cover medical expenses. Having a suitable health insurance policy ensures financial protection against unexpected healthcare costs. Senior citizen health insurance can be particularly beneficial for individuals above 60+, as it provides coverage tailored to age-related medical needs.

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

Healthcare costs can pose a significant financial strain for families dealing with chronic or life-threatening illnesses. To address this, the Assam government introduced the Atal Amrit Abhiyan health insurance scheme on December 25, 2016. The scheme is aimed at helping below-poverty-line (BPL) and above-poverty-line (APL) families through cashless treatment at government and empanelled private hospitals.

What is Atal Amrit Abhiyan?

The Atal Amrit Abhiyan is a state-funded health insurance scheme initiated by the Assam government to provide financial assistance for critical illnesses, ensuring that families from economically weaker sections, receive necessary healthcare. Beneficiaries can Atal Amrit Abhiyan card check online and avail themselves of cashless treatment at government and empanelled hospitals across the state and beyond.

What diseases are covered by Atal Amrit Abhiyan card?

This Atal Amrit Abhiyan card scheme covers 437 diseases, classified into six major categories:

• Cardiovascular diseases: Covers heart-related ailments, including surgeries and treatment.
• Cancer: Includes chemotherapy, radiotherapy and surgical interventions.
• Kidney diseases: Covers dialysis, transplants and other renal treatments.
• Neonatal diseases: Provides treatment for congenital and birth-related disorders.
• Neurological conditions: Covers brain disorders, strokes and neurodegenerative diseases.
• Burns: Includes hospitalisation and reconstructive surgeries for burn victims.

Eligibility criteria for Atal Amrit Abhiyan

To qualify for the Atal Amrit Abhiyan scheme, applicants must meet the following criteria:

• BPL families with an annual income of up to Rs 1.2 lakh receive free coverage.
• APL families with an income between Rs 1.2 lakh and Rs 5 lakh must pay a nominal premium of Rs 100 per member annually.
• Employees of central and state government services (both active and retired) are not eligible.
• Proof of income is required for classification under BPL or APL categories.

Documents required for Atal Amrit Abhiyan

To register under this scheme and get Atal Amrit card benefits, applicants need to submit:

• Voter ID Card: For identity verification.
• EPIC Card or Birth Certificate: Required for minors.
• Income Certificate: Proof of financial status.
• NFSA Card: If available, it can be used for verification.
• Photograph: A recent passport-size photo attested by a doctor.

Fees for Atal Amrit Abhiyan Card

The scheme is free for Atal Amrit Abhiyan society BPL families. APL families need to pay Rs 100 per year per member to avail of coverage. Moreover, there are no additional charges for treatment once enroled.

How to register for Atal Amrit Abhiyan?

For Atal Amrit Abhiyan online apply follow these steps:

• Visit an enrolment centre: Registration is available at government-designated centres for the Atal Amrit card.
• Submit documents: Provide ID proof, income certificate, and a photograph.
• Verification process: Officials will verify Atal Amrit card eligibility based on income and residency.
• Receive Atal Amrit Abhiyan Card: Once approved, a unique health card will be issued.

Importance of health insurance

Health insurance is important for financial security and access to medical care. It helps people and their families manage healthcare costs and ensures timely treatment. Unexpected medical emergencies can put a heavy financial burden on individuals and families. A solid policy, especially health insurance for family, ensures wider coverage and better financial security that helps pay for hospital stays, doctor visits, surgeries and medicines.

FAQs

1. Can beneficiaries avail treatment outside Assam?

Yes, treatment is available at empanelled hospitals outside the state.

2. Is the scheme applicable for private hospitals?

Yes, but only at CGHS-approved and government-aided private hospitals.

3. What happens if the insurance amount exceeds ₹2 lakh?

Any additional expenses beyond the coverage limit must be borne by the patient.

4. Is the premium refundable if no treatment is availed?

No, the ₹100 premium for APL families is non-refundable.

5. Can new diseases be added to the coverage?

Yes, the state government may expand the list based on medical requirements.

Conclusion

The Atal Amrit Abhiyan is a crucial health insurance initiative that supports families in need of medical assistance. By offering cashless treatment and covering critical illnesses, the scheme reduces the financial burden of healthcare. If you are eligible, registering for this scheme is a wise decision to secure quality treatment for your family. In addition to the Atal Amrit Abhiyan, opting for comprehensive health insurance is a smart move towards broader coverage for unforeseen medical expenses, offering protection against a wide range of health conditions and ensuring financial stability for you and your family in the face of 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 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 Goods and Services Tax or GST on health insurance has been a major point of discussion, particularly in GST Council meetings. Earlier, GST on health insurance premiums were subject to a 15% service tax. Discussions are ongoing to reduce GST on health insurance to 5%, which could make health coverage more affordable. This article explores the GST structure on health insurance and what is the GST on health insurance premiums.

What is the GST on health insurance?

GST is levied on the health insurance premiums at the time of purchase or renewal. The standard GST for health insurance premium rate applicable is 18% under HSN code 997133. However, government-run schemes for economically weaker sections are exempt from GST, like the Niramaya Health Insurance Scheme and Universal Health Insurance Scheme.

GST rate on health insurance with HSN codes

Health insurance falls under the GST framework, with different tax rates based on the policy nature.

• Accident and health insurance services – 18% (HSN Code: 997133)
• Universal Health Insurance Scheme – Nil GST (HSN Code: 9971 or 9991)
• Niramaya Health Insurance Scheme – Nil GST (HSN Code: 9971 or 9991)

Types of GST on health insurance plans

Different types of GST apply based on the nature of the transaction.

• CGST (Central GST) – the central government collects 9% for intrastate health insurance sales.
• SGST/UTGST (State/Union Territory GST) – 9% is collected by state or UT governments for intrastate sales.
• IGST (Integrated GST) – 18% is charged for interstate health insurance sales, where the insurer is in one state and the policyholder is in another.

Impact of GST on health insurance policy

The GST rate on health insurance has affected health insurance in several ways:

• Higher premiums: The GST increase from 15% to 18% has made health insurance policies more expensive.
• Lower affordability: Individuals, particularly in lower-income groups, struggle to afford policies due to higher costs.

Impact of GST on health insurance policy renewal

The renewal of older policies is also affected by GST:

• Older policies (pre-GST era): Only renewals attract the 18% GST.
• Higher renewal costs: Policyholders renewing older policies must bear the increased tax burden.
• No service tax adjustments: Insurance holders cannot adjust previously paid service tax against the new GST rate.

Positive impact of GST on health insurance policies

The GST has brought some benefits.

• GST has eliminated the previous “tax on tax” issue.
• Insurance companies can claim tax credits on their expenses, improving operational efficiency.

How to calculate GST in health insurance?

The GST on health insurance is calculated based on the premium.

• GST is applied to the base premium amount: A policy with a Rs 25,000 premium attracts an 18% GST, adding ₹4,500 to the total cost.
• No GST on No-Claim Bonus (NCB): If a policyholder has an NCB, GST is only applied to the reduced premium.

Tax savings under Section 80C and 80D

Health insurance also provides tax benefits.

• Section 80D deduction: Policyholders can claim tax deductions up to Rs 25,000 (₹50,000 for senior citizens) on premiums.
• Family coverage benefits: Taxpayers can also claim deductions for premiums paid for spouses, children, and dependent parents.
• Section 80C benefits: Some policies with life cover components may qualify for additional deductions.

Can I claim GST on health insurance?

Under certain conditions, businesses may claim GST paid on health insurance as an Input Tax Credit (ITC).

• Businesses can claim GST paid on employee health insurance if it is a mandatory benefit.
• Individual policyholders cannot claim GST refunds on personal health insurance.
• Employers providing group health insurance can get ITC.

Why do you need a health insurance plan?

Health insurance is essential because:

• Unexpected hospitalisations can lead to financial strain.
• Healthcare costs are rising, making insurance necessary.
• Policies provide tax deductions, reducing the financial burden.

FAQs

1. Is GST applicable on all health insurance policies?

Yes, except for government-backed schemes for economically weaker sections.

2. Will the GST on health insurance be reduced in the future?

There is speculation about reducing the GST rate, but no official confirmation yet.

3. Can I claim the GST paid on my health insurance as a tax refund?

No, individual policyholders cannot claim GST as a refund.

Conclusion

GST health insurance has significantly impacted policy costs, increasing premiums from the earlier service tax regime. The current 18% GST rate makes policies expensive, affecting affordability. While GST adds to the price, health insurance policy remains an essential financial tool. Whether you choose an individual health insurance policy or a family plan, investing in the right insurance ensures long-term security and financial stability.

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.

Section 80CCD of the Income Tax Act, 1961, is a government introduced section to encourage people to save for their retirement. By contributing to these schemes, taxpayers can reduce their taxable income and secure their future.

This blog explains everything you need to know about Section 80CCD of Income Tax Act, the eligible pension schemes and how they work under the old and new tax regimes.

What is Section 80CCD?

Section 80CCD in Income Tax provides tax benefits to individuals who invest in government-approved pension schemes. Here are the key points:

• Applies to the old tax regime for salaried and self-employed individuals.
• The National Pension System (NPS) and the Atal Pension Yojana (APY) are eligible pension schemes.

Categorisation of Section 80CCD in income tax

The 80CCD Income Tax Act of 1961 has three subsections based on the contributor:

Deductions under 80CCD(1) and 80CCD(2)

Section 80CCD 1 deduction:

• Salaried individuals: 10% of salary (basic + DA) for and
• Self-employed individuals: 20% of the gross total income
• Deduction limit: ₹1.5 lakh per year.

Section 80CCD 2 deduction:

• Private-sector employees: claim up to 10% of their salary (basic + DA).
• Government employees: claim up to 14% of their salary (basic + DA).
• Deduction limit: None

Availability of 80CCD deductions under the new tax regime

Taxpayers must choose carefully between the old and new tax (Section 115BAC) regimes. The new tax regime introduced in 2020-21 offers lower tax rates, fewer deductions and exemptions. The new regime does not allow the Section 80CCD deduction. If you contribute to NPS, the old regime may be more beneficial, allowing deductions under Section 80CCD.

National Pension System u/s 80CCD

The National Pension System (NPS) is a government-backed retirement savings plan that helps individuals build a pension corpus. Key points:

• Available to all Indian citizens, including NRIs (Non-Resident Indians).
• Provides tax benefits under old tax regime Sections 80CCD(1), 80CCD(1B) and 80CCD(2).

Atal Pension Yojana (APY) u/s 80CCD

Atal Pension Yojana (APY) is a pension scheme designed for Indian workers in the unorganised sector. As of October 2022, APY is available only for non-taxpaying citizens of India. Its features include:

• For non-taxpaying individuals aged 18-40 years who are Indian citizens.
• Under the old tax regime, prior investor contributions are eligible for tax deductions under Section 80CCD with additional deductions of up to Rs. 50,000 under Section 80CCD(1B).

Tax benefits under Section 80CCD

The following applies to the old tax regime:

• Section 80CCD(1): Deduction up to ₹1.5 lakh.
• Section 80CCD(1B): Additional deduction of ₹50,000 for NPS contributions.
• Section 80CCD(2): Employer contributions to NPS are tax-free.

Terms and conditions for deductions under Section 80CCD

The section 80 CCD deduction limit is:

• The ₹1.5 lakh limit under the Section 80CCE includes deductions under 80C, 80CCC and 80CCD(1).
• The additional ₹50,000 80 CCD (1B) deduction is separate from this limit.
• Employer contributions under 80 CCD (2) are not subject to the ₹1.5 lakh limit.

Eligibility for claiming deductions under Section 80CCD

Here's a breakdown of who is eligible to avail of these deductions:

Things to keep in mind about 80CCD deduction

Here are a few things to keep in mind:

• NPS offers higher tax benefits than other retirement plans due to an additional ₹50,000 deduction under 80CCD(1B).
• Employer contributions are fully deductible under 80CCD(2).
• Deductions are not available under the new tax regime.

FAQs

1. Can NRIs claim deductions under Section 80CCD?

NRIs can claim deductions under Section 80CCD if they contribute to NPS.

2. Can I claim both Section 80C and Section 80CCD deductions?

The total deduction under 80C, 80CC and 80CCD 1 is ₹1.5 lakh. However, the ₹50,000 under 80 CCD 1B deduction is additional.

3. Are employer contributions to NPS taxable?

No, employer contributions are tax-free up to the specified limits under Section 80 CCD 2.

Conclusion

By understanding Section 80CCD, taxpayers can maximise their savings and secure their future by investing in government-approved pension schemes.

While considering tax-saving options, individuals should also invest in a solid health insurance policy. Health insurance for family members and senior citizens ensures financial protection against medical emergencies and provides access to better treatment options.

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.

Taxation law in India benefits individuals with disabilities by decreasing their financial burden. One such provision is Section 80U of Income Tax Act, 1961, which provides tax deductions to all individuals with disabilities. A good understanding of Section 80U concerning eligibility criteria, limits for deduction and supporting documentation would be useful in seeking tax relief.

What is section 80U?

Section 80U provides for a flat deduction available to certain individuals for what is termed 'certified disability.' Unlike other tax deductions, where the quantum of the deduction depends on the expenses incurred, this one is allowed without any regard to the actual medical expenses borne by the taxpayer. This 80u deduction may be availed of only by resident individuals certified as disabled by a recognised medical authority.

Definition of a person with disability (PwD)

Under Section 80U, a person with disability (PwD) is defined as an individual suffering from at least 40% disability as per the guidelines laid down in the Rights of Persons with Disabilities Act, 2016.

Definition of severe disability

A severely disabled individual has a disability of 80% or more. These individuals qualify for a higher tax deduction under Section 80U.

Which disabilities are covered under Section 80U of the income tax act?

The Income Tax Act recognises the following disabilities for claiming deduction under 80U:

• Blindness
• Low vision
• Hearing impairment
• Leprosy-cured individuals
• Locomotor disability
• Mental retardation (Intellectual disability)
• Mental illness
• Autism
• Cerebral palsy
• Dwarfism
• Multiple disabilities

Deduction limit under Section 80U of the income tax act

The deduction under Section 80U is fixed and does not depend on actual expenses incurred. The 80U deduction amount is:

• ₹75,000 for individuals with at least 40% disability.
• ₹1,25,000 for individuals with 80% or more disability (severe disability).

How to claim a deduction under Section 80U?

To claim an income tax rebate for physically handicapped 80U:

• Get a valid disability certificate from a prescribed medical authority.
• Ensure the certificate is valid for the applicable financial year.
• Mention the details in the Income Tax Return (ITR) form while filing taxes.
• Retain the certificate and related documents in case of verification by tax authorities.

Documents required to claim deductions under Section 80U

To avail of deductions under 80U of income tax act, the following documents are required:

• Valid disability certificate issued by a prescribed medical authority.
• Medical reports and assessments confirm the percentage of disability.
• Self-declaration stating that the taxpayer has not claimed reimbursement for medical expenses elsewhere.
• Form 10-IA (in cases of severe disability).

What are the categories of disabilities under Section 80U of the income tax act?

Section 80U categorises disabilities into two main types:

• Persons with disabilities (PwD): Those having at least 40% disability.
• Severely disabled persons: Those with 80% or more disability.

Which medical authority can issue certificates under section 80U?

To claim a deduction under Section 80U, a disability certificate can be issued by any of the following specialists:

• A neurologist with a degree of MD in Neurology (for neurological disabilities).
• A civil surgeon in a government hospital.
• A chief medical officer (CMO) of a government hospital.

FAQs            

1. Who is eligible for deductions under Section 80U?

The deduction may be claimed only by any resident individual who has furnished a certificate of disability obtained from a prescribed medical authority.

2. Does Section 80U allow deductions that family members of the disabled individual can claim?

No. Section 80U applies only to disabled taxpayers. However, family members who take care of a disabled dependent can claim a tax deduction via Section 80DD.

Conclusion

Section 80U provides tax relief for individuals with disabilities. It gives the taxpayer a fixed deduction, irrespective of medical insurance coverage, making it an important form of financial assistance. A valid disability certificate is of primary importance to claim this 80U tax benefit. Awareness and timely filing will help taxpayers maximise their deductions while reducing tax burden.

In addition to tax deductions, good health insurance for parents, individuals and families ensures access to the best healthcare facilities for disability management and care. Moreover, medical insurance reduces the financial burden in accidents and 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 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.

Section 80DD of Income Tax Act, 1961 provides tax deductions to individuals and Hindu Undivided Families (HUFs) with disabled dependants. It aims to lessen the expenses incurred on the treatment, training and rehabilitation of the disabled dependant.

Read along to learn the eligibility criteria, limits of deductions, and necessary documentation required if you want to avail this benefit.

What is Section 80DD of the Income Tax Act?

Section 80DD allows a deduction to individuals or HUFs caring for a disabled dependant.  Unlike Section 80U, which relates to a disabled taxpayer, Section 80DD benefits the caregivers by spending money to support the disabled dependant.

List of disabilities included under the Section 80DD

The disabilities included are:

• Blindness
• Low vision
• Hearing impairment
• Leprosy-cured individuals
• Locomotor disability
• Mental retardation
• Mental illness
• Autism
• Cerebral palsy
• Multiple disabilities

Conditions to avail of section 80DD deduction

The 80DD deduction can be claimed under certain conditions:

• The disabled dependant must be a spouse, child, parent or sibling of the taxpayer.
• The dependant must have at least 40% disability, certified by a recognised medical authority.
• The taxpayer must have incurred 80DD medical treatment expenses or expenses on training and rehabilitation.

Who can claim a deduction under section 80DD?

The 80DD deduction amount can be claimed by:

• Resident individuals who financially support a disabled dependant.
• Hindu Undivided Families (HUFs) where the dependant is a family member.

Note: Non-resident Indians (NRIs) are not eligible to claim this deduction.

Maximum amount of deduction under Section 80DD

The deduction under Section 80DD is fixed and not dependant on actual expenses incurred. The deductions are:

• Rs 75,000 per year for dependants with 40% to 79% disability.
• Rs 1.25 lakh a year for dependants with 80% or more disability (severe disability).

Benefits of claiming 80DD

Some of the benefits for claiming deductions under 80DD of Income Tax Act are:

• It encourages families to take care of their disabled dependants by offering tax relief.
• It is available irrespective of actual medical expenses incurred.

Documents required for claiming tax deduction under Section 80DD

The following documents are required to claim this benefit:

• Disability certificate issued by a recognised medical authority.
• Form 10-IA, if the dependant has a severe disability (80% or more).
• Self-declaration stating that the taxpayer has incurred expenses for the disabled dependant’s treatment and maintenance.
• Medical treatment receipts (not mandatory but recommended for records).

How do you claim deduction under Section 80DD?

The process involves the following steps:

• Obtain a valid disability certificate from a prescribed medical authority.
• Fill out Form 10-IA (if claiming a deduction for severe disability).
• Declare the deduction under the “Deductions” section while filing an Income Tax Return (ITR).
• Keep supporting documents ready for verification by tax authorities if required.

Who is responsible for issuing the medical certificate for a dependant with a disability?

The disability certificate must be issued by:

• A neurologist with an MD in Neurology (for neurological disabilities).
• A civil surgeon or chief medical officer (CMO) of a government hospital.
• Any designated medical authority notified by the government.

What does “dependants” & “disability” mean under Section 80DD?

• Dependants: For Section 80DD, dependants include spouse, children, parents, and siblings who rely financially on the taxpayer.
• Disability: As per the law, a person with at least 40% disability (as certified by a recognised medical authority) is considered disabled.

You can claim 80DD medical treatment insurance of handicapped dependant if the individual meets the above-mentioned criteria.

FAQs

1. Can the same person claim both Section 80DD and Section 80U?

No, one can never claim Section 80DD and Section 80U together.

2. Is there any restriction on age in claiming for deduction under Section 80DD?

The 80DD tax benefit has no age limit.

Conclusion

Section 80DD, apart from offering a fixed tax relief to individuals and Hindu Undivided Families (HUFs) who have a disabled dependant, also helps reduce premiums of specific health insurance policy and critical illness insurance policy concerning such treatments. Section 80DD for senior citizens provides similar benefits. Taxpayers should check the eligibility criteria, prepare the required documents, and adhere to the procedures for filing income tax returns to avail of this benefit.

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.

Section 80DDB of the Income Tax Act provides tax benefits to individuals and Hindu Undivided Families (HUFs) for medical expenses incurred on specified serious diseases. This provision reduces the financial burden on taxpayers facing high healthcare costs.

Understanding the eligibility criteria, covered ailments and the claim process under Section 80DDB can help taxpayers maximise their deductions and ease medical expenses.

What is section 80DDB?

It is a tax benefit under the Income Tax Act, 1961. The deduction under section 80DDB allows individuals and Hindu Undivided Families (HUFs) to claim relief on medical expenses for certain serious diseases. These include cancer, kidney disease, Parkinson's and other specified illnesses. The taxpayer and their dependents can claim the rebate if they meet the eligibility criteria and provide a valid medical certificate.

Deduction allowed under section 80DDB

Under section 80DDB, benefit for senior citizens (60+ years) allow a tax deduction of up to INR 1,00,000 on medical expenses for specified diseases. For younger people, the 80ddb deduction limit is INR 40,000.

Eligibility criteria under section 80DDB

Here are the conditions for 80DDB tax benefit eligibility:

• The claimant must be an individual taxpayer or belong to Hindu Undivided Families (HUF).
• Deduction will apply to medical expenses for a dependent suffering from a specified disease, such as cancer, kidney disease or Parkinson's.
• Eligible dependants for individuals include spouses, children, parents or siblings.

List of diseases covered u/s 80DDB

Here is the 80ddb deduction diseases list

• Neurological (disability at least 40%):
• Dementia
• Dystonia Musculorum Deformans
• Motor Neuron Disease
• Ataxia
• Chorea
• Hemiballismus
• Aphasia
• Parkinson's Disease
• Malignant cancers
• Full Blown Acquired Immuno-Deficiency Syndrome (AIDS)
• Chronic Renal failure
• Hematological disorders, such as:
• Hemophilia
• Thalassemia

How to claim deductions under section 80DDB of income tax act?

Here are the steps to claim the income tax rebate under section 80DDB:

• Obtain a medical certificate from a specialist.
• Ensure the certificate mentions the disease name, treatment details, and doctor's credentials.
• Keep all medical expense receipts and bills for record purposes.
• Deduct the reimbursement amount received from any insurer or employer before filing the tax return.
• Submit the necessary documents while filing your Income Tax Return (ITR).

What documents are required for section 80DDB?

Documents required for claiming rebate under section 80ddb of income tax act: 

• Medical certificate from a specialist
• Prescriptions and medical reports for treatment verification
• Expense proof such as hospital bills, medicine invoices, and doctor consultation fees
• Insurance reimbursement statement (if applicable)

How to obtain the certificate for the disease for section 80DDB deduction?

To obtain the necessary certificate for diseases covered under 80ddb, the claimant must contact a doctor to confirm the diagnosis of the specified disease. The medical professional will issue a certificate with the patient's name and other essential details.

What should be mentioned in the 80DDB certificate?

The medical certificate should contain the following details:

• Patient's name and age
• Disease name and its severity
• Specialist doctor's name, qualifications, and registration number
• Hospital details and issuing authority signature

Things to remember while claiming deduction under section 80DDB

Here are a few important things to remember when filing for 80DDB:   

• Ensure that the disease qualifies for deductions under the specified list
• The deduction amount should adjusted based on the reimbursement
• Maintain all medical records and receipts for verification.
• A specialist must issue a medical certificate from a government hospital.
• The deduction amount varies based on the age of the taxpayer.

FAQs

1. Can we claim a deduction under Section 80DDB if I have a medical insurance policy?

          Yes, deductions under Section 80DDB are claimed even if one has health insurance plans.

2. Can I claim the benefit of Section 80DDB for my spouse and parents?

           You can claim deductions under section 80DDB on medical expenses incurred for self, spouse,                       children, and senior citizen health insurance.

Conclusion

80DDB medical treatment for critical illness provides immense relief to taxpayers by allowing deductions on medical expenses incurred for treating diseases.

However, relying solely on tax deductions may not be enough to manage high healthcare costs. Comprehensive health insurance plans can offer additional financial protection by covering hospitalisation expenses, treatments and medications exempted from tax benefits.

Investing in senior citizen health insurance can help cover rising medical expenses. These plans provide extensive coverage for age-related illnesses, pre-existing conditions and long-term treatments, ensuring financial security for elderly family members.

By combining tax deductions with a well-structured insurance plan, taxpayers can secure their finances and health against unforeseen 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 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.

Access to healthcare remains a challenge for economically weaker sections in India for a long time. To manage this issue, the government of India has introduced various health insurance schemes. One such initiative was the Rashtriya Swasthya Bima Yojana (RSBY), launched to provide affordable healthcare to Below Poverty Line (BPL) families. RSBY enabled beneficiaries to receive cashless treatment at empanelled hospitals across India. However, the scheme has been replaced by Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (Ayushman Bharat-PMJAY), which now provides health insurance in India.   

Let's explore how the scheme worked, its benefits and eligibility criteria.

What is Rashtriya Swasthya Bima Yojana?

Rashtriya Swasthya Bima Yojana (RSBI) is a National Health Insurance Scheme launched to help financially underprivileged families by providing financial support for healthcare.

Features of RSBY scheme

The RSBY scheme is different from other government-initiated programs. It is operated through insurance companies and state and central governments subsidise premiums. Here are some of the features of this policy:  

• Each beneficiary family receives a biometric smart card called an RSBY card or Swasthya card that facilitates cashless transactions.
• Beneficiaries can choose between public and private hospitals enrolled under the RSBY scheme.
• A registered beneficiary can use the RSBY card in any RSBY-empanelled hospital nationwide.

What is covered under RSBY?

Rashtriya Swasthya Bima Yojana covers a wide range of healthcare expenses. The coverage under this scheme includes:

• Hospitalisation Expenses
• Pre- and Post-hospitalisation Costs
• Transportation
• Dental Treatments
• Daycare Treatments
• Maternity Benefits
• Newborn Coverage

What is not covered under RSBY?

The Rashtriya Swasthya Bima Yojana scheme covers many health expenses, but some exceptions exist. The RSBY benefits do not apply to elective, cosmetic or not medically necessary treatments. Additionally, illnesses caused by intoxication or fertility-related procedures are not covered under this scheme.

RSBY Scheme benefits

Here are some of the unique RSBY benefits:

• The beneficiary and their families can claim up to Rs. 30,000 for various expenses using the RSBY scheme
• Pre-existing diseases before the policy purchase are also covered
• All beneficiaries get cashless hospitalisation

How does Rashtriya Swasthya Bima Yojana health insurance scheme work?

BPL families identified by the government are eligible for Rashtriya Swasthya Bima Yojana registration and enrolled through mobile camps. The selected families submit their biometric data and receive a smart card for a nominal fee.

Although the 'Rashtriya Swasthya Bima Yojana apply online' facility is unavailable, the beneficiaries can check the official website to receive essential details like insurance coverage, eligibility criteria and more.

Eligibility of Rashtriya Swasthya Bima Yojana

To be eligible for the RSBY scheme, the applicant must be:

• Member of a welfare board who are under BPL
• Listed under below poverty line
• A worker in any unorganised sector

How to make a claim under Rashtriya Swasthya Bima Yojana?

A beneficiary can produce the smart card in any hospital listed under RSBY. Post-treatment, the hospital sends the beneficiary's details to the insurance company or Third Party Administrator (TPA). They verify the claim and process the payment directly to the hospital, ensuring a cashless experience for the beneficiary.

How to apply for RSBY scheme?

Eligible RSBY scheme participants can enroll through enrollment camps. Families can approach the camp authorities and provide essential proof, biometrics and photographs. There may be a minimal registration fee. Once all the documents pass verification, the smart card will be delivered. By entering their details, the beneficiaries can run the Rashtriya Swasthya Bima Yojana name check online at the RSBY website.

How RSBY is different from other government health insurance schemes?

A beneficiary can produce the smart card in any hospital listed under RSBY. Post-treatment, the hospital sends the beneficiary's details to the insurance company or Third Party Administrator (TPA). They verify the claim and process the payment directly to the hospital, ensuring a cashless experience for the beneficiary.

The RSBY differs from other government health insurance schemes in the following ways:

• A wide variety of medical expenses are covered, unlike other policies.
• Smartcard ensures cashless transactions that focus on legitimate beneficiaries.
• No paperwork is required in the whole process.
• The policy targets below-poverty-line (BPL) families and unorganised sector workers.

FAQ

1. Is the 'Rashtriya Swasthya Bima Yojana online apply' facility available?

No, the RSBY card online apply facility is not available. Beneficiaries must visit enrollment centres to apply for RSBY. However, they can check the Rashtriya Swasthya Bima Yojana card status online from enrollment centres.

2. How do you perform a Rashtriya Swasthya Bima Yojana validity check?

Visit the official RSBY website or the designated enrollment centre and provide your details to perform the Rashtriya Swasthya Bima Yojana card validity check.

3. Is Rashtriya Swasthya Bima Yojana (RSBY) still available?

No, the RSBY scheme does not exist anymore. However, people can take advantage of the Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana, which continues the legacy of providing health coverage to BPL families in India.

Conclusion

The Rashtriya Swasthya Bima Yojana (RSBY) was a landmark initiative that provided essential health coverage to economically disadvantaged families in India. This health insurance policy made access to necessary medical care feasible for individuals under BPL. Registering for government-aided health insurance for family reduces financial strain on these participants while receiving quality medical care.

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