Close ILTakeCare Suggestion
IL TakeCare app – For all your insurance & wellness needs

Policy purchase, claims, renewal & more

 
  • Health Benefits of Papaya Seeds

    by mohit bohra | May 05, 2025

    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.

  • Karunya Health Insurance Scheme Guide

    by mohit bohra | May 05, 2025

    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.

  • Chief Minister's Comprehensive Health Insurance Scheme (CMCHIS)

    by mohit bohra | May 05, 2025

    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.

  • Aarogyasri Telangana: Application, Features, & Benefits

    by mohit bohra | May 05, 2025

    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 vs Flax Seeds : Which One Is Healthier?

    by mohit bohra | May 02, 2025

    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.

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

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

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

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

    1. Which seed is better for weight management?

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

    1. 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.

     

  • NPS: Types, Benefits & Eligibility Guide

    by mohit bohra | May 02, 2025

    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:

    Instrument

    Tax deduction

    Lock-in period

    Returns

    NPS

    Up to ₹2 lakh (Sections 80CCD(1) & 80CCD(1B))

    Till retirement

    Market-linked

    PPF

    Up to ₹1.5 lakh (Section 80C)

    15 years

    ~7-8% (fixed)

    ELSS

    Up to ₹1.5 lakh (Section 80C)

    3 years

    Market-linked (~12-15%)

    FD (Tax-saving)

    Up to ₹1.5 lakh (Section 80C)

    5 years

    ~5-6%

     

    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.

    1. How does NPS provide tax benefits?

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

    1. 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.

  • Atal Amrit Abhiyan Health Insurance Scheme

    by mohit bohra | May 02, 2025

    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.

    1. Is the scheme applicable for private hospitals?

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

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

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

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

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

    1. 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.

  • GST on Health Insurance: Impact and Rates

    by mohit bohra | May 02, 2025

    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.

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

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

    1. 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.

  • Guide to Section 80CCD Income Tax Benefits

    by mohit bohra | May 02, 2025

    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:

    Sub-section

    Who Can Claim?

    Maximum Deduction Allowed

    80CCD(1)

    Individuals (salaried & self-employed)

    10% of salary (salaried) or 20% of gross income (self-employed), subject to ₹1.5 lakh limit

    80CCD(1B)

    Individuals (additional contribution to NPS)

    ₹50,000 over and above the limit

    80CCD(2)

    Employers contributing to NPS on behalf of employees

    10% of salary (private employees), 14% of salary (government employees)

    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:

     

    Criteria

    Eligibility

    Salaried Employees

    Yes

    Self-Employed Individuals

    Yes

    NRIs

    Yes

    Employers

    Yes – for 80CCD(2)

    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.

    1. 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.

    1. 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.

  • Section 80U: Tax Deduction for Disabled People

    by mohit bohra | May 02, 2025

    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.

    1. 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: Deductions & Required Documents

    by mohit bohra | May 02, 2025

    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.

    1. 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: Deductions & Covered Diseases

    by mohit bohra | May 02, 2025

    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.

      1. 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.

  • Rashtriya Swasthya Bima Yojana Overview

    by mohit bohra | May 02, 2025

    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.

    1. 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.

    1. 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.

  • Mukhyamantri Swasthya Bima Yojana Details

    by mohit bohra | May 02, 2025

    Access to quality healthcare is among the fundamental rights, but many individuals, especially those from economically weaker sections, struggle to afford necessary medical treatments. Various state governments have introduced medical insurance schemes to address this issue. One such initiative is the Mukhyamantri Swasthya Bima Yojana (MSBY), which provides comprehensive health coverage to the residents of Uttarakhand.

    This article comprehensively discusses the MSBY scheme, its benefits, eligibility criteria and other key factors.

    What is Mukhyamantri Swasthya Bima Yojna?

    The Mukhyamantri Swasthya Bima Yojana is a health insurance scheme launched by the Uttarakhand government. Under this scheme, beneficiaries receive a Mukhyamantri Swasthya Bima Yojana card that provides them access to cashless hospitalisation. It also covers various medical procedures, including surgeries, diagnostics and hospitalisation, ensuring comprehensive healthcare coverage.  It includes coverage for up to Rs 1.25 lakh. 

    Benefits of the MSBY scheme

    The MSBY scheme offers several significant benefits:

    1. Cashless treatment: Beneficiaries can access cashless treatment at network hospitals using their Mukhyamantri Swasthya Bima Yojana card.
    2. Wide coverage: The scheme covers over 1,500 medical procedures, including critical illnesses and surgeries.
    3. Financial security: Families are protected from the high costs of medical treatments, reducing the risk of economic
    4. Inclusive coverage: The scheme extends health insurance for parentsand other family members, ensuring holistic protection.
    5. Easy accessibility: With the option for Mukhyamantri Swasthya Bima Yojana online apply, the process is streamlined and user-friendly.

    What are the MSBY exclusions?

    While the MSBY offers extensive coverage, certain exclusions apply. They include:

    1. Government employees or officers in the state are not eligible.
    2. Those who already possess another health insurance policy or are beneficiaries of a different medical scheme are excluded.
    3. Treatments received at non-empanelled hospitals.
    4. Cosmetic surgeries and non-essential procedures.
    5. Expenses related to treatments (unless it is caused by an accident).

    Eligibility criteria for MSBY online registration

    To be eligible for Mukhyamantri Swasthya Yojana online registration,  applicants must meet these criteria:

    1. Must be a permanent resident of Uttarakhand.
    2. Should belong to below poverty line (BPL) category.
    3. Should not be a government employee or officer in the state.
    4. Must possess valid identification and proof of residency.

    What documents are required for Mukhyamantri Swasthya Bima Yojana?

    Applicants need to furnish the following documents for the Mukhyamantri Swasthya Bima Yojana:

    1. Residential proof
    2. Proof of income
    3. Aadhaar card
    4. BPL certificate
    5. Voter ID
    6. Ration card
    7. Bank account details
    8. Recent passport-sized photographs

    How to apply for MSBY scheme online?

    Applying for Mukhyamantri Swasthya Bima Yojana involves the following steps:

    1. Access the official MSBY portal.
    2. Select the “Mukhyamantri Swasthya Bima Yojana Card”
    3. Select the “Enrolment of families”.
    4. Provide all necessary information in the application form and upload the required
    5. Verify the entered details and submit the form.
    6. The concerned department will verify the submitted information and documents.
    7. Upon approval, applicants can proceed with the Mukhyamantri Swasthya Bima Yojana card download from the website.

    FAQs

    • What is the Mukhyamantri Swasthya Bima Yojana card?

    The Mukhyamantri Swasthya Bima Yojana card is a biometric smart card issued to each enrolled family, facilitating cashless treatment at empanelled hospitals.

    • How can I check my Mukhyamantri Swasthya Bima Yojana status?

    You can do a Mukhyamantri Swasthya Bima Yojana status check by visiting the official portal and entering your application reference number.

    • What should I do if I lose my MSBY card?

    In case of loss, beneficiaries should contact the nearest enrolment centre or the official MSBY helpline to request a replacement card.

    • Is the MSBY scheme applicable to senior citizens?

    Absolutely. The MSBY scheme includes health insurance for parents and senior citizens, ensuring their medical needs are covered.

    Conclusion

    The Mukhyamantri Swasthya Bima Yojana is an initiative by the Uttarakhand government that has revolutionised healthcare accessibility in the state. It offers cashless treatment and comprehensive coverage, alleviating the financial burdens associated with medical emergencies. Eligible individuals are encouraged to apply for the MSBY online to secure the health of their families.

     


    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.

  • Income Tax Rebate Under Section 87A

    by mohit bohra | May 02, 2025

    Navigating the intricacies of income tax may be challenging for individual taxpayers. However, Section 87A of the Income Tax Act offers some relief by reducing the tax liabilities for eligible individuals. Understanding the nuances of the tax rebate under Section 87A is essential for maximising tax benefits.

    This article explores the details of Section 87A, its eligibility criteria, advantages and how to claim the rebate.

    What is tax rebate under Section 87A?

    Section 87A of Income Tax Act allows eligible taxpayers to claim a rebate on their tax liability. This provision is designed to provide tax relief under Section 87A to individuals with lower incomes, ensuring they pay minimal or no tax. Unlike deductions, which lower the taxable income, a rebate decreases the actual tax liability, offering substantial tax relief to qualifying individuals.

    Types of taxpayers eligible for the rebate

    Eligibility for the tax rebate under Section 87A is confined to specific categories of taxpayers:

    1. Only Indian residents can claim this rebate.
    2. It is available to those whose total taxable income does not exceed the specified limit under the applicable tax regime.
    3. 87A rebate for senior citizens is applicable if they meet the income criteria.

    Rebate u/s 87A for FY 2024-25 (AY 2025-26)

    For the Financial Year 2024-25 (Assessment Year 2025-26), the provisions of Section 87A have been structured as follows:

    1. Old tax regime: People with a taxable income up to Rs 5,00,000 qualify for a rebate of up to Rs 12,500.
    2. New tax regime: The rebate has been enhanced, allowing individuals with a taxable income of up to Rs 7,00,000 to avail of a rebate of up to Rs 25,000.

    How much is the rebate allowed u/s 87A?

    The quantum of the 87A deduction varies based on the chosen tax regime:

    1. Old tax regime: Maximum rebate of Rs 12,500 for incomes of up to ₹5,00,000.
    2. New tax regime: Maximum rebate of Rs 25,000 for incomes of up to Rs 7,00,000.

    Steps to claim a tax rebate under Section 87A

    To claim the tax rebate under Section 87A, follow these steps:

    1. Aggregate all sources of income.
    2. Subtract eligible deductions under Section 80C (investments) and Section 80D (health insurance policy premiums, individual health insurance).
    3. The resultant figure after deductions is your taxable income.
    4. Compute the tax based on applicable slab rates.
    5. If your taxable income is within the eligible limit, reduce your tax liability using 87A deductions.

    Eligibility to claim rebate u/s 87A for FY 2024-25 for old regime

    Under the old tax regime for FY 2024-25, resident individuals with a taxable income up to Rs 5,00,000 qualify for a rebate of up to Rs 12,500.

    Rebate limit under Section 87A for all the financial years

    The rebate under Section 87A has evolved over the years:

    1. FY 2019-20 to FY 2021-22: Rebate of Rs 12,500 for incomes up to Rs 5,00,000.
    2. FY 2022-23: Similar provisions as in previous years.
    3. FY 2023-24: Introduction of the new tax regime with a rebate of Rs 25,000 for incomes up to Rs 7,00,000.
    4. FY 2024-25: Continued provisions with specified limits under both regimes.

    Benefits of Section 87A Rebate

    The tax relief under Section 87A offers multiple advantages:

    1. Directly lowers tax liability for low-income earners.
    2. Simplifies tax calculations.
    3. Provides additional relief to senior citizens.

    Things to remember while availing rebate under Section 87A

    When claiming the 87A deduction, you should keep the following in mind:

    1. Only resident individuals are eligible.
    2. Ensure your taxable income does not exceed the specified limit under your chosen tax regime.
    3. The rebate is applied to the total tax before adding cess.
    4. Income taxed at special rates (e.g. capital gains) may not qualify for the rebate.

    FAQs

    • Is the 87A rebate available under the new tax regime?

    Yes, the 87A rebate in new tax regime is available for incomes up to ₹7 lakh.

    • Can senior citizens claim the 87A rebate?

    Senior citizens are eligible for the rebate if their taxable income is within the specified limit.

    • Can I claim the 87A rebate if I have a health insurance policy?

    A health insurance policy does not affect your eligibility for the 87A rebate. However, the premium paid for the policy may qualify for deductions under other sections.

    Conclusion

    The tax rebate under Section 87A is a valuable provision offering significant tax relief to lower-income individuals. Whether you are a senior citizen or a young professional, you must understand the eligibility criteria and rebate limits to help you maximise your tax savings.

     


    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.

  • Understanding Human Metapneumovirus (HMPV): Symptoms, Risks, and Treatment Options

    by Almog Ramrajkar | May 02, 2025

    Human Metapneumovirus (HMPV) can result in mild to severe respiratory illness, primarily affecting children, older adults, and those with weak immune systems. Although it is not as well-known as the flu or common cold, it can still lead to serious complications in vulnerable populations. Understanding the symptoms, causes, and treatment options for HMPV can help individuals take necessary precautions and seek timely medical care.


    What is Human Metapneumovirus (HMPV)?

    Human Metapneumovirus (HMPV) is a part of the Paramyxoviridae family and is closely related to respiratory syncytial virus (RSV). It was first identified in 2001 but is believed to have circulated for decades before its discovery. HMPV primarily affects the respiratory system, leading to symptoms like those caused by other respiratory viruses.

    This virus can have affects on people of all ages and is one of the leading causes of respiratory tract infections globally. People with weakened immune systems and pre-existing medical disorders are especially at risk, such as asthma and chronic obstructive pulmonary disease (COPD).


    Is HMPV just a cold?

    HMPV symptoms often resemble those of the common cold, including cough, congestion, and a runny nose. But occasionally, it can result in more serious respiratory problems, such as pneumonia or bronchitis, especially in individuals with underlying health conditions. Unlike the common cold, HMPV symptoms can persist for longer and may require medical intervention in severe cases.


    How common is Human Metapneumovirus?

    HMPV is a widespread virus, with infections occurring worldwide. Studies suggest that nearly everyone is exposed to the virus by the age of five. Seasonal outbreaks of HMPV typically occur in late winter and early spring, similar to RSV and influenza. It is estimated that HMPV accounts for a significant percentage of hospitalisations related to respiratory infections in young children and elderly individuals.


    Is Human Metapneumovirus the same as RSV?

    While HMPV and RSV share similarities, they are distinct viruses. Both belong to the same viral family and cause respiratory infections, but they have different genetic structures and may lead to varying degrees of severity in infections. HMPV tends to be less aggressive than RSV, but it can still lead to significant respiratory distress in at-risk populations.


    What are the symptoms of Human Metapneumovirus?

    HMPV symptoms can range from mild to severe and may include:

    • Cough
    • Runny nose
    • Sore throat
    • Fever
    • Wheezing
    • Shortness of breath
    • Fatigue
    • Chest congestion

    In severe cases, HMPV can lead to pneumonia or bronchiolitis, particularly in young children and immunocompromised individuals. If not treated, it can cause serious respiratory failure in some cases.


    What causes a Human Metapneumovirus infection?

    HMPV is caused by the Human Metapneumovirus, which infects the respiratory tract. The virus enters the body and spreads through respiratory droplets. The immune system is integral to fighting off the infection, but individuals with weakened immunity may struggle to recover quickly.


    How is Human Metapneumovirus Transmitted?

    HMPV spreads through:

    • Direct contact with an infected person
    • Respiratory droplets from coughing or sneezing
    • Coming in contact with contaminated surfaces and then touching the face
    • Close proximity to infected individuals in crowded spaces


    What are the risk factors for Human Metapneumovirus?

    Certain groups are more vulnerable to severe HMPV infections, including:

    • Infants and young children
    • Older adults
    • Individuals with chronic lung diseases (e.g., asthma, COPD)
    • Immunocompromised individuals
    • People with underlying health conditions
    • Those living in close quarters, such as nursing homes or dormitories


    What are the complications of Human Metapneumovirus?

    Complications from HMPV can be severe, especially in vulnerable populations. These include:

    • Pneumonia
    • Bronchiolitis
    • Worsening of pre-existing lung conditions
    • Respiratory failure requiring intensive care
    • Hospitalisation in severe cases


    How is Human Metapneumovirus Diagnosed?

    Doctors diagnose HMPV based on clinical symptoms and laboratory tests, such as:

    • Polymerase Chain Reaction (PCR) tests
    • Nasopharyngeal swabs
    • Serological testing


    How is Human Metapneumovirus treated?

    There is no targeted antiviral treatment for HMPV. Supportive care is the mainstay of HMPV treatment, including:

    • Rest and hydration
    • Fever reducers like acetaminophen or ibuprofen
    • Cough suppressants (if necessary)
    • Oxygen therapy for severe cases
    • Nebulisation therapy for breathing difficulties


    Do you need antibiotics for Human Metapneumovirus?

    Antibiotics do not work for viral infections like HMPV. However, if a secondary bacterial infection develops (such as bacterial pneumonia), a doctor may prescribe antibiotics. Unmoderated use of antibiotics can lead to antibiotic resistance, so it is wise to use them only when prescribed by a healthcare professional.


    Can you prevent a Human Metapneumovirus infection?

    Preventive measures for HMPV include:

    • Frequent handwashing
    • Avoiding close contact with infected individuals
    • Disinfecting commonly touched surfaces
    • Wearing masks in crowded places
    • Aiding the immune system with a balanced diet and regular exercise


    How long does Human Metapneumovirus last?

    HMPV symptoms typically last for 7 to 14 days. However, individuals having weak immune systems may experience prolonged illness. In some cases, lingering symptoms such as a persistent cough or fatigue may last for several weeks.


    How do I take care of myself?

    If you have HMPV, follow these self-care tips:

    • Get plenty of rest
    • Stay hydrated
    • Use a humidifier to ease breathing
    • Take over-the-counter pain relievers if necessary
    • Avoid smoking or exposure to secondhand smoke

     

    When should I seek medical advice?

    Seek medical attention if you experience:

    • Difficulty breathing
    • High fever that doesn’t subside
    • Severe fatigue or weakness
    • Symptoms that worsen over time
    • Persistent cough lasting more than three weeks


    FAQs

    1. Is HMPV covered under health insurance?

    Yes, health insurance plans generally cover hospitalisation and treatment costs for respiratory infections, including severe cases of HMPV.

    1. Can HMPV lead to long-term health problems?

    While most people recover fully, individuals with pre-existing conditions may experience long-term complications.

    1. Is there a vaccine for HMPV?

    Currently, there is no vaccine for HMPV.

    1. Can HMPV be fatal?

    In rare cases, severe HMPV infections can lead to life-threatening complications, especially in high-risk groups.


    Conclusion

    Early detection and appropriate care are essential in managing Human Metapneumovirus (HMPV), particularly for high-risk individuals. Health insurance is essential for controlling medical costs, including doctor consultations, diagnostic tests, and treatment costs. Reviewing your policy can help you understand what’s covered, ensuring financial support during unexpected health concerns. Some plans may also offer preventive care benefits, making it easier to access timely medical advice. If symptoms persist or even worsen, seeking immediate medical attention is vital for a quicker recovery and better health outcomes.


    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.

  • Health Benefits of Cucumber Seeds

    by mohit bohra | Apr 30, 2025

    While eating cucumber, the crunchy and nutritious summer essential, we might have neglected the seeds and their potential health benefits. Although the seeds may seem insignificant or be thrown away, they contain powerful nutrients. A diet containing cucumber seeds results in innumerable health advantages. High in vitamins, magnesium and phosphorus content, cucumber seeds aid in digestive and cardiovascular health and offer several dermatological benefits.

    Below, we explore the nutritional value of cucumber seeds.

    Significant benefits of cucumber seeds

    You may want to think twice before discarding cucumber seeds. They are small in size but mighty regarding their health-promoting properties. As experts continue studies on the cucumber seeds nutritional value, the inconspicuous wonder food keeps proving to be significant in many ways. The seeds contain vitamin K, vitamin C, and vitamin B1 and bring in the goodness of magnesium and potassium.

    Here are some of the most notable benefits of cucumber seeds:

    1. Digestion, weight, blood sugar

    Cucumber seeds have a rich content of dietary fibre that facilitates proper digestion and normal bowel function. The fibrous nature of cucumbers, especially their seeds, regulates hunger by keeping you feeling full for longer. This way, it aids in maintaining a stable blood sugar level. Cucumber seeds contain plant sterols that lower LDL (bad) cholesterol levels, potentially supporting heart health.

    1. Skin, immunity, hydration

    Some studies suggest antioxidant content in cucumbers, such as flavonoids, work to decrease oxidative stress and combat free radicals. These antioxidants play an important role in protecting the skin against inflammation and promoting a youthful, clear skin. Cucumbers are 96% water, and both the flesh and seeds contribute to hydrating the body.

    How to consume cucumber seeds

    Now that we’ve explored the benefits of eating cucumber seeds, you might be wondering how to incorporate them into your diet. Here are some simple ways:

    1. Raw: You can eat cucumber seeds by consuming them directly from slow-matured fruits. An easy way is to add them to salads, making the texture interesting and uplifting its nutrition content.
    2. Roasted: To create a crunchy treat, the seeds can be roasted with a small amount of salt. After roasting, one can grind them into a powdered form and add them to baked items like biscuits.
    3. Paste: Cucumber seeds serve as a nutritious addition to smoothies, chutneys, and curd-based sides when blended into the mixture. India has several traditional recipes that already incorporate the seeds in interesting ways.
    4. In drinks: Cucumber is one of the primary coolants consumed across the country during the summer. Seeds can be added to coolers like buttermilk, lemonade, cocktails and mocktails.

    Importance of health insurance plans

    While maintaining a healthy diet with nutrient-rich foods like cucumber seeds is crucial for overall well-being, it’s equally important to safeguard your health with comprehensive health insurance. An individual health insurance policy provides financial security against unexpected medical expenses, ensuring that you can access quality healthcare when needed without worrying about the costs.

    Just as cucumber seeds offer a range of health benefits, a well-chosen health insurance plan provides multiple advantages:

    1. Financial security: It protects you from high medical costs in case of illness or injury.
    2. Access to quality healthcare: You can access a network of quality healthcare providers without worrying about expensive medical bills.
    3. Preventive care: Preventive services are covered in insurance plans, such as health check-ups and blood tests.
    4. Peace of mind: Knowing you’re covered with insurance reduces stress and anxiety about potential health issues.

    FAQs

    1. Can I eat cucumber seeds daily?

    Consuming cucumber seeds daily is safe.

    1. What are the main nutrients in cucumber seeds?

    Cucumber seeds are rich in vitamins C, K, and B1 and minerals like magnesium, potassium, and zinc.

    1. Can cucumber seeds help in weight loss?

    The high fibre content in cucumber seeds helps control appetite and support weight management.

    1. Are there any allergic reactions associated with cucumber seeds?

    Reports of allergic reactions to cucumber seeds are rare. However, consult a healthcare professional immediately if it causes discomfort.

    Conclusion

    Cucumber seeds are not obvious to the eye. When cucumbers are consumed, they are often seeded. However, it’s useful to note that the cucumber seeds health benefits are numerous and impressive.

    From supporting digestive health to aiding in blood sugar regulation and keeping the body hydrated, these tiny, almost invisible seeds pack a powerful nutritional punch. Incorporating them lets you enjoy their crunchy texture while reaping their health benefits.


    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.

  • Appendicitis Surgery Recovery Time

    by mohit bohra | Apr 30, 2025

    Appendicitis is the inflammation of the appendix, a small, tube-shaped organ found in the lower right side of the abdomen. Symptoms include nausea, low-grade fever, and vomiting. It is crucial to consult with a healthcare professional as soon as symptoms develop. This blog discusses appendicitis surgery healing time

    Appendicitis recovery time

    Appendicitis recovery time after surgery depends on the type of surgery performed and the condition of the patient.

    Typically, an appendix recovery time after surgery varies between 2-6 weeks. It also depends on the severity of the infection and whether or not the appendix was ruptured.

    In an open appendectomy, a 2-4 inch surgical incision is made to the lower right abdomen to remove the inflamed appendix. With this type of procedure, you will be required to stay in the hospital for a few days as pain medication will be administered. The medical team will also administer antibiotics to prevent the spread of infection. If the appendix has not ruptured, the patient may be able to go home after 1-2 days.  An open appendectomy healing time can be up to 4 weeks. For the first few weeks, it is advisable to avoid strenuous activities like lifting heavy objects. However, excessive physical activities should be avoided for up to 8 weeks.

    In a laparoscopic surgery, smaller incisions are made to the lower abdomen. A small, telescopic tube with a camera is inserted into the incision through which the surgeon removes the inflamed appendix. Most patients can go home the same day as this is considered a much less invasive procedure. Although there might be some pain and discomfort, the pain is relatively less severe than that of an open appendectomy. One can return to their normal routine within two weeks of the surgery. However, intense physical activity should be avoided for up to four weeks.

    Conclusion

    An appendicitis operation recovery time can vary depending on what type of surgery was performed. Regardless of the type of procedure performed, it is important to adhere to all the instructions provided by the medical team and to attend all follow-up appointments. Having the right health insurance plan can reduce the financial burden during a medical emergency. It is important to check with your insurer to understand the details of your coverage.


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

  • Unlocking the Power of Pomegranate Seeds

    by mohit bohra | Apr 30, 2025

    Pomegranates are a nutrient-rich fruit known for their vibrant red arils (seeds) and tart-sweet flavour. The benefits of pomegranate seeds go beyond being a tasty garnish—they’re a powerhouse of wellness packed with antioxidants, vitamins, and fibre. Modern research suggests they may boost heart health, combat inflammation, and even defend against chronic ailments.

    This blog covers some of the benefits of pomegranate seeds.

    Significant benefits of pomegranate seeds

    The benefit of eating pomegranate seeds is undisputable, as seen below:

    1. Nutrient-rich profile: Pomegranate seeds are a good source of vitamins and minerals for immune function, heart health, and muscle function. A half-cup serving provides:
    • Vitamin C: 8.87 milligrams
    • Potassium: 205 milligrams
    • Magnesium: 10.4 milligrams
    1. Rich in antioxidants: Pomegranate seeds contain polyphenols, including punicalagin and anthocyanins, that fight oxidative stress and protect cells from free radical damage.
    2. May benefit vascular and heart health: Pomegranate seeds help lower LDL cholesterol, reduce arterial plaque buildup, and improve blood pressure. Their nitric oxide-boosting properties enhance blood vessel dilation, promoting healthy circulation.
    3. May enhance digestive health: With 3.5 grams of fibre per ½ cup, pomegranate seeds may aid digestion, prevent constipation, and support gut microbiome diversity. Fibre also promotes satiety, aiding weight management.
    4. Anti-͏inflammatory effects: The polyphenols in pomegranates have been shown͏ to reduce ͏inflammation, which may benefit conditions like arthritis and other inflammatory diseases. The advantages of pomegranate seeds include inhibiting inflammatory enzymes such as cyclooxygenase, offering natural relief. 
    5. May reduce cancer risk: Research suggests that pomegranate extract slows the growth of prostate, breast, and colon cancer cells. Ellagic acid, a compound in the seeds, is known for its anti-tumour effects.
    6. May improve cognitive function: Pomegranate antioxidants may protect against Alzheimer’s by reducing amyloid plaque buildup. Studies show improved memory retention in older adults who consume pomegranate juice.
    7. May promote skin health: Pomegranate seeds contain Vitamin C and antioxidants that stimulate collagen production, reduce UV damage, and accelerate wound healing. The seeds' advantages include topical extracts that can be used in anti-ageing skincare.

    How to consume pomegranate seeds?

    Incorporating pomegranate seeds into one's diet is easy and delicious. Here is how to try them:

    • Fresh arils: Sprinkle over salads, yoghurt, or grain bowls for a sweet flavour and crunchy texture. In desserts, as a topping for oatmeal, ice cream, or dark chocolate.
    • Juice: Opt for 100% pure juice (limit to 8 oz daily to avoid excess sugar).
    • Smoothies: Blend with spinach, banana, and greek yoghurt or almond milk.
    • Savory dishes: Pair with roasted vegetables or grilled meat. Or add to stuffed parathas or lemon rice for crunch.

    Importance of medical insurance

    While the benefits of eating pomegranate seeds are many, health insurance plans provide access to excellent medical care. Individual health insurance ensures access to regular check-ups, emergency treatments, and management of chronic conditions that diet alone cannot address. A healthy diet and lifestyle, along with reliable insurance, offer well-rounded health security.

    FAQs

    1. What is the difference between pomegranate seeds and juice?

    Pomegranate seeds provide vitamins, minerals and dietary fibre that support digestion and satiety. Despite being rich in antioxidants, juice loses its fibre and contains more sugar and calories per serving than whole fruits and seeds.

    1. Are pomegranate seeds good for the elderly?͏

    Including pomegranate seeds in the diet is advantageous for seniors. The antioxidants may protect against cognitive decline and promote brain health, while the fibre promotes healthy digestion, which is often challenging with ageing.

    1. Are pomegranate seeds ͏a good source͏ ͏of iron͏?͏

    Pomegranate seeds contain a modest amount of iron—approximately 0.3 mg per 100 grams—but are not a sufficient source to replace iron supplements for anaemia. However, they can enhance iron absorption when eaten alongside iron-rich foods.

    1. Are there side effects of eating too many pomegranates?

    Excessive consumption may cause digestive discomfort (e.g., diarrhoea) in some people. 

    Conclusion

    With their rich͏ nutrient content, pomegranates have͏ long been valued͏ for their potential health benefits. While they may support͏ heart health and reduce inflammation, mindful consumption͏͏ is͏ ͏key.  Whether eaten as a snack, in juice, or as a garnish, they are a flavourful addition to a balanced diet.


    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.

  • Mustard Seeds: Benefits and Uses

    by mohit bohra | Apr 30, 2025

    Mustard seeds are a common ingredient in cuisines worldwide. Despite being minutely sized, they are a powerhouse of nutrients. In Indian kitchens, these seeds don’t just enrich flavour; they bring several health benefits, too. Adding mustard seeds to your meals supports well-being in several ways. Let us learn more.

    Nutritional value of mustard seeds

    Mustard seeds are rich in nutrients. They contain:

    • Plenty of calcium, phosphorus, and magnesium that strengthen bones
    • Selenium that fights harmful free radicals
    • A good mix of protein, fibre, and good fats
    • Several B vitamins and vitamin E for overall health

    Significant benefits of mustard seeds

    Some of the benefits of mustard seeds are:

    • Fights inflammation: The mustard seed nutrients help calm inflammation in the body. This makes them helpful for relieving joint pain and swelling.
    • Helps digestion: Thanks to their fibre content, mustard seeds keep your digestive system running smoothly. They prevent constipation, feed good gut bacteria, and help your body break down food better.
    • Protects the heart: Making mustard seeds part of your regular diet supports heart health by bringing down harmful cholesterol, supporting better blood flow and helping maintain healthy blood pressure.
    • Eases breathing: People with stuffy noses, sinus troubles, or asthma might find relief with mustard seeds, which help clear mucus and open breathing passages.
    • Healthy skin: The vitamins and antioxidants in these tiny seeds fight skin ageing and help you maintain a healthier complexion.
    • Soothes pain: When made into a paste or oil for external use, mustard seeds create a warming effect that eases sore muscles and stiff joints.

    How to consume mustard seeds?

    You can derive the health benefits of mustard seeds by consuming them in different forms, such as:

    • Raw seeds: You can add a tempering or tadka of mustard seeds to your dals and curries either before or after preparing the dish. It can also be mixed into homemade pickles and chutneys, whisked into your salad dressing, or toasted lightly and scattered over cooked vegetables.
    • Mustard oil: Oil prepared from mustard seeds can be used to prepare traditional dishes.
    • Mustard paste: The seeds can be ground and used for marinades and curry bases. You can also try making Bengali-style kasundi or sauce for a flavour kick.

    Importance of health insurance policy

    While healthy eating habits form one part of staying well, health insurance plans provide essential financial protection in case of emergencies.

    • They cover unexpected medical costs that could otherwise drain your savings.
    • Ensure you get good care without financial stress.
    • Pay for hospital stays, operations, and treatments.
    • Give you confidence knowing you’re prepared for health emergencies.

    With proper health insurance, your focus stays on recovery, not bills. One can also opt for individual health insurance that provides coverage for a single person’s medical emergency. It can be customised to meet specific needs.

    FAQs

    Q: Do mustard seeds help with weight?

    A: They seem to. Mustard seeds can boost metabolism and help your body burn fat more effectively.

     

    Q: Could mustard seeds cause any problems?

    A: For most people, they’re perfectly safe. However, in excess quantities, they can upset the stomach. Also, if you have thyroid issues, consume them in smaller amounts.

     

    Q: What is a reasonable daily amount?

    A: About 1-2 teaspoons work well for most adults without causing any issues.

     

    Q: Are they safe during pregnancy?

    A: Normal amounts in cooking are generally fine, but check with your healthcare provider first.

    Conclusion

    Mustard seeds offer impressive benefits, from fighting inflammation to supporting heart health. Remember, though, no single food can work magic on its own. The best approach combines healthy eating, regular physical activity, enough rest, healthy stress management, and better health insurance plans. This well-rounded strategy helps protect your well-being today and tomorrow.


    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.

Error message here