Mahatma Jyotiba Phule Jan Arogya Yojana, a government of Maharashtra initiative, is a health insurance scheme that works towards protecting the various marginalised groups of society from the financial burden of costly diseases. The Maharashtra government has dedicated the scheme to better healthcare accessibility and lessening the financial cost of treatment for the economically weaker sections of society.

What is Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY)?

MJPJAY has been one of the flagships in health insurance schemes launched by the Maharashtra government for negating accessibility problems regarding healthcare among the economically backward class in society. This scheme provides insurance to cover treatment costs and is aimed at benefitting the needy people in Maharashtra. The goal of implementing MJPJAY is to lower treatment costs and ensure improved and convenient access to healthcare for everyone, especially people with low incomes.

MJPJAY is a cashless health cover scheme wherein the beneficiary does not have to furnish any money at the time of access and utilisation of the service. It includes routine consultations and even extensive surgeries, to name a few. Pre- and post-hospitalisation expenses are also included in it, apart from the expenses that the hospital incurs. Many secondary and tertiary care services and treatments fall under the list of treatments and procedures that are offered under the MJPJAY so that one can afford medical services as per their need.

Beneficiaries Under the Mahatma Jyotiba Phule Jan Arogya Yojana

Three major categories of beneficiaries that come under Jyotiba Phule Jan Arogya Yojana are:

1. Category A:

   Families working in the Maharashtra Civil Supplies Department are issued orange, yellow, Antyodaya Anna Yojana, and Annapurna ration cards. Families with an annual income up to ₹1,000,000 are included in this category. These families have comprehensive health insurance through MJPJAY.

2. Category B:

   Farmers and agricultural workers residing in the 14 agriculturally distressed districts of Maharashtra, namely, Aurangabad, Jalna, Beed, Parbhani, Hingoli, Latur, Nanded, Osmanabad, Amravati, Akola, Buldhana, Washim, Yavatmal, and Wardha fall under this category.

3. Category C:

   It includes children residing in government orphanages, students of Government Ashram Schools, female residents of Government Mahila Ashrams, senior citizens of government-run old-age homes, journalists and their kin accredited by the Directorate General of Information and Public Relations (DGIPR), and registered construction workers with the Maharashtra Building and Other Construction Worker Welfare Board.

What is Covered Under the Mahatma Jyotiba Phule Jan Arogya Yojana?

The Mahatma Jyotiba Phule Jan Arogya Yojana has a provision to provide necessary medical benefits to enlisted beneficiaries, such as coverage for comprehensive medical treatment, excluding costs associated with medical care services.

Here is a comprehensive detail of the benefits offered under the scheme:

1. Medical expenses for hospitalisation:

   MJPJAY bears all the expenses that come under hospitalisation, which means charges for the room, Intensive Care Unit, nursing, and other expenses are included in "hospitalisation".

2. Pre-Hospitalisation Expenses:

   The scheme gives entitlements for all the costs that a patient is bound to incur before being admitted to a hospital. It also includes all forms of tests, advice, and all other investigations the doctor may wish to conduct to arrive at a diagnosis and plan for treatment.

3. Post-Hospitalisation Expenses:

   This includes extended care after discharge. This involves doctors' visits, medications, and various treatments the hospitalised treatment may have to extend. This will also help in follow-ups after the treatment is completed for complete recuperation and to avoid possible secondary complications.

4. Surgical Interventions:

   MJPJAY entails all forms of surgery, including simple and complex surgeries. This ensures that the beneficiaries can get appropriate surgical interventions without financial constraints.

5. Investigations/Diagnostic Tests:

   Most of the diagnostic tests required for treatment are covered in this scheme. This ensures patients get correctly diagnosed and receive appropriate treatment plans based on comprehensive testing.

6. Prescription Drugs and Medications:

   Costs accrued for prescribed medicines during and after admission are covered, thus lowering the cost of paying from pocket for indispensable medicines.

7. Maternity Benefits:

   These benefits are included in the plan and involve delivery expenses along with neonatal care. It caters to essential medical covers for prenatal women and their unborn children at the time of delivery and also post-birth.

8. Emergency Ambulance Services:

   Ambulance services are also covered under the Jyotiba Phule Jan Arogya Yojana scheme.

9. Network Hospitals:

   Under MJPJAY, one can seek cashless treatment from network hospitals empanelled by the scheme.

10. Therapeutic Treatments:

    This scheme also covers treatment charges, including for chemotherapy and dialysis.

What is Not Covered Under the Mahatma Jyotiba Phule Jan Arogya Yojana?

1. Elective Procedures:

   MJPJAY does not cover elective or cosmetic surgeries that are not medically warranted. This could also include surgery or other treatments to correct perceived cosmetic imperfections and not health problems. Examples include cosmetic surgeries such as rhinoplasty or breast augmentation.

1. Pre-existing conditions may be only partially covered or require a waiting period until they are covered and sometimes require additional documents.

1. Experimental Treatments:

   Medical treatment considered experimental or not approved by the relevant authorities is excluded. This includes new or unproven therapies that have not yet been widely validated for general use.

1. Headlines/Coverage Limits:

   No expenses for any other forms of treatment, including homoeopathy, Ayurvedic treatment, and any other traditional treatment options, will be entertained by the scheme.

1. Non-medical expenses:

   Expenses other than medical bills incurred in treatment are not provided in the scheme. Some of them include accommodation costs, travelling costs of the relatives of patients, etc.

1. Out-of-network Treatments:

   It will not pay for treatments that have been sought from hospitals not included in the list of affiliated hospitals or from doctors who are not on the list of approved doctors. Under this scheme, only those treatments that are provided in the hospitals and practitioners empanelled with MJPJAY can be availed by the beneficiaries.

Features and Benefits of Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY)

1. Cashless Treatment:

   The primary benefit of the Jyotiba Phule Jan Arogya Yojana is the cashless treatment concept that it employs. This will not burden the beneficiary from paying any cash for treatment. The cashless treatment process makes it easier to handle the financial aspect of healthcare so that people will not need to think about the payment and instead focus on recovery.

1. Comprehensive coverage:

   Extensive coverage under the scheme has offered a broad scope in most forms of medical treatment, including surgeries, delivery, and management of chronic conditions. 

1. Empanelled Hospitals:

   MJPJAY provides coverage for a wide range of empanelled public and private hospitals. This gives flexibility to the beneficiaries to select any hospital that fulfils the criteria provided under the scheme for their treatment.

1. Comprehensive Cover:

   The scheme covers wide-ranging expenses and includes all the costs of hospitalisation, diagnosis, medicines, and even pre- and post-hospitalisation. This comprehensive cover minimises the financial load on beneficiaries and provides them with all essential medical services in time.

1. Financial Protection:

   MJPJAY covers a significant part of medical spending, therefore financially protecting poor families.

How to Enroll in the Mahatma Jyotiba Jan Arogya Yojana (MJPJAY) Scheme?

1. Check out the enrollment centres or government hospitals where the MJPJAY scheme is implemented.
2. Necessary documents should be submitted along with income proof and residence certificate. This would enable cross-verification for all candidates qualifying and proof of the criteria matching with the scheme.
3. Fill in the form downloaded from the website as it lists the necessary information about application processing and issuance of health cards.
4. At the enrollment centre, your documents will be studied and verified for eligibility. This is quite important to confirm enrollment into the scheme.
5. A health card will be issued to the patient after successful verification, which is the MJPJAY health card. The primary role of the card is to draw cashless treatment in the listed hospitals.
6. Avail cashless service at empanelled hospitals by producing your health card. Keep renewing and updating your enrolment to avoid elimination for availing benefits.

Claim Procedures of Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY)

1. Present Health Card:

   Verification shall be done by the empanelled hospital, and on being satisfied, the beneficiary shall be granted cashless treatment as this hospital is duly informed and well-equipped to satisfy the beneficiary's needs.

2. Documentation:

   Right from the room charges to surgical procedures and diagnostic tests, the documentation of the patient's expenses is done at the time of admission to a hospital. The documentation and submission of claims would be arranged with the insurance department of the hospital.

3. Claim Processing:

   The recorded expenditures need to be forwarded to the MJPJAY administration for reimbursements by the hospital. This shall also include follow-up communications with the administration of the scheme to ascertain that all information is provided to process the claim.

4. Post-treatment paperwork:

   Any additional paperwork, if required, to be done for the claim settlement post-treatment and guided by the hospital might also include a discharge summary, treatment record, and all other essential papers.

5. Claim Settlement:

   The hospital will settle the expenses directly with the scheme after approval of the claim from the MJPJAY authorities. This takes place without bothering the beneficiary with the payments for the medical treatments undertaken and ensures that the financial part of the treatment undergoes smoothly.

Conclusion

MJPJAY is the most crucial intervention in improving access to healthcare services among the economically deprived sections of the population in Maharashtra. Comprehensive coverage and facilitated claim settlement processes make MJPJAY one of the most crucial interventions aimed at reducing the healthcare expenditure burden and improving health status.

ICICI Lombard Health Insurance Cashless Network Hospital List in Mumbai, Maharashtra

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• Health Booster (Top Up Health Insurance)
• Arogya Sanjeevani Policy
• Corona Kavach Policy
• Senior Citizen Health Insurance
• Parents Health Insurance
• Children Health Insurance

which offers people much needed financial backup during any medical emergencies.

Deworming is a very important health activity that involves the use of medication to get rid of worms, parasites, or helminths present in the body. These worms are capable of infecting children as well as adults and cause various health complications. A broad range of evidence supports the fact regular deworming is very effective in enhancing the overall health of an individual, especially in places prone to worm infection.

In this article, we will be discussing all the aspects associated with deworming, from preventive measures to cures, and how having a health insurance plan can be beneficial in case of deworming.

What is Deworming?

Deworming involves using medication to remove parasitic infections from the body. These infections are caused by worms generally lodged in the intestines, which cause many health problems. The very common types of worms that are known to infect humans include roundworms, tapeworms, and hookworms. Deworming is effective in controlling these parasites and hence improving health. Understanding the health insurance coverage for these treatments can help families handle the associated costs. 

Why is Deworming in Adults and Children Important?

Deworming in adults and children should not be ignored as parasites can cause serious health consequences if not treated timely. In children, worm infections can cause malnutrition, anaemic conditions, stunting at different ages, and disruptions in mental development.

In adults, these infections lead to intestinal disorders, lethargy, and even suppression of bodily immunity. People who reside in tropical and sub-tropical regions are frequently infected by worms, but regular deworming can guarantee them normalcy. Thus, it is always recommended that one has a health insurance plan if one resides in these regions.

Symptoms of Deworming in Children and Adults

When discussing the symptoms of worm infection, it is important to understand that they often differ between the types of worms.

• Abdominal pain: Painful sensation experienced in the abdominal region that is often accompanied by distension.
• Diarrhoea or constipation: Extreme constipation or diarrhoea may indicate the presence of worms, as parasites tend to interfere with bowel movements.
• Weight loss: Sometimes infected persons avoid eating even small amounts of food, and this can result in loss of weight and dehydration.
• Fatigue and weakness: Weakness, tiredness, and general lassitude.
• Anaemia: Blood loss is also common in the case of hookworm infection, wherein patients become iron deficient.
• Itching and rash: In children infected with pinworm, rashes around the bottom or itching are too frequent.
• Loss of appetite: There is a growing decline in the desire to have food, which is why health deteriorates.

How to Treat a Worm?

Antiparasitic medications specific to the type of worm are a must to cure worm infections. The medicines often prescribed included albendazole, mebendazole, or ivermectin. In most instances, these medications are administered only once, or for up to 5 days depending on the severity of the infection.

Health Benefits of Deworming in Adults and Children

Deworming has several health benefits, and they include the following:

• Increase the efficiency of nutrient absorption: The absence of worms allows the proper absorption of nutrients, which translates to good health and growth, particularly for children.
• Enhanced immune function: Elimination of parasitic worms will lower the burden on the immune system, thus allowing it to be more effective against pathogens.
• Better growth and development in children: In most cases, deworming is all that is needed to correct stunted growth and enhance cognitive functioning in children.
• Increased energy levels: Many people tend to feel healthier and more energetic once worms are out of the body.
• Reduced risk of anaemia: This is especially crucial in regions where hookworm infection is rampant; deworming can arrest anaemia and the accompanying hazards.

Preventing Worms Naturally: How to Do it?

Preventing worm infections without the use of drugs involves maintaining proper hygiene and a clean environment. Some important ways to incorporate cleanliness are:

• Regular hand washing: Frequent washing of hands with soap and clean water, particularly after using the toilets and before meals, helps avoid worm transmission.
• Proper food handling: Eating properly cooked food and washing fruits and vegetables before eating reduces the chances of swallowing worm eggs or larva.
• Use of Shoes: This is especially pertinent in places where hookworm infections occur; wearing shoes acts as a barrier to worms entering the body via the skin.
• Restrictions to contact with soils: Infection can also be minimised by restricting children from playing in areas that are contaminated with infected soil.

Home Remedies for Deworming for Adults in India

The most popular treatment strategies to kill worms in India involve the use of home medicines. Examples include:

Pumpkin seeds: These are well known because of their anthelmintic properties that help heal the body from worms. Swallowing a handful of raw pollen or melon seeds in the morning on an empty stomach helps enhance this effect.

Raw garlic: Garlic has antiparasitic, nontoxic properties, and therefore, any parasite in the body can be expelled by taking in raw garlic or including it in food.

Turmeric as an antiparasitic agent: Turmeric has anti-inflammatory and antiparasitic effects; hence, it can aid in deworming. A simple intake of turmeric powder or swallowed with warm water thrice every week is helpful.

The Treatment for Worms

In addition to offering medication to combat worm infections, it is important to make certain lifestyle changes. Taking antiparasitic medications as prescribed by healthcare providers is one such remedy. Regular hygiene and careful selection of diet in addition to medication will also go a long way in reducing chances of reinfection and enhance health.

Conclusion

Deworming is an important health measure, especially in countries where worm infections are prevalent. Proper deworming can have a favourable influence not only on children but also on adults' health since it involves recognising worm infection symptoms, availing proper treatment, and adopting effective preventive measures.

A combination of appropriate deworming treatment, hygienic measures, and proper nutrition can help avert such infections, improve the quality of life, and shield from problems later in life that parasitic worm infection can cause. With health insurance, families can ensure they can easily manage the expenses associated with deworming.

Vitamins are essential substances necessary for our bodies normal functioning. They help prevent diseases, maintain strength, and promote general well-being. But how do we know if we're getting enough of them?

This is where a vitamins blood test comes in handy. In this blog, we will explain what vitamin deficiency tests are, the symptoms of vitamin deficiencies, and how to test for them. We will also discuss who should take these tests, what at-home tests include, and what to do with the results.

What Is a Vitamin Deficiency Test?

A vitamin deficiency test is a basic yet effective tool in your healthcare arsenal. It determines whether your body has sufficient vitamins essential for its operation. It's a way to check your nutrient levels, helping you understand which vitamins are adequate and which you might need to supplement.

These tests can be conducted using different methods, but the most common one is a blood test for vitamin deficiency. This involves drawing a small amount of blood and having it tested in a laboratory. The results can indicate if you are deficient in certain vitamins, such as B12, D, or iron.

But why is this important? Vitamins are like the fuel that keeps your body's engine running efficiently. When your vitamin stores are depleted, it affects everything from your energy levels to your immunity.

What Are the Symptoms of Vitamin Deficiencies?

A lack of vitamins in the body can have subtle symptoms that can be hard to notice. Here are some common signs to watch out for:

• Fatigue and weakness
• Brittle hair and nails
• Slow wound healing
• Mood changes or depression
• Bone pain

Unfortunately, one challenge with vitamin deficiencies is that their signs are similar to those of other conditions. For instance, constant fatigue might make you think you are just stressed or overworked, while the true reason could be a lack of vitamin B12.

Therefore, it is necessary to monitor, listen to, and respond to your body's signals properly. If you have constant ailments, it is time to get a vitamin deficiency check. As mentioned before, these signs are not specific to a deficiency, but they are enough to suspect one.

How to Test for Vitamin Deficiency?

It may sound complicated to check for vitamin deficiency, but there are various approaches to do this:

1. Blood Tests: A vitamin blood test is an effective way to determine the presence and concentration of vitamins in your body. Your doctor may prescribe these tests based on the signs and symptoms you present or your overall health condition.
2. At-Home Test Kits: These tests are rapidly gaining popularity. They allow you to collect a small amount of blood at home and then mail it to a laboratory.
3. Physical Examination: A doctor might detect vitamin deficiencies during a routine examination. For example, they may notice changes in the skin or eyes that suggest a specific deficiency.
4. Dietary Assessment: A nutritionist can review your diet and suggest the possibility of vitamin deficiencies. While not a conclusive test, it can be quite helpful in providing a general idea.

Who Should Take a Vitamin Deficiency Test?

While beneficial for everyone, there are certain people who are more susceptible to deficiency:

• Older adults: Older adults do not digest food in the same manner as younger individuals, which may cause issues.
• Vegetarians and vegans: Vegetarian diets may lack vitamins primarily gained through animal products.
• Pregnant women: Pregnant women have higher nutritional requirements, which may be hard to meet.
• People with chronic diseases: Conditions like Crohn's disease affect nutrient absorption in the body.
• Those on restrictive diets: Diets that eliminate certain food groups can lead to deficiencies.

What Is Included in an At-Home Vitamin Deficiency Test

The at-home vitamin deficiency test kit usually includes:

• Detailed instructions
• A lancet for finger-pricking
• A collection tube for the blood sample
• A prepaid envelope for the return of the sample to the lab

This process is usually quick and efficient, allowing you to monitor your health from the comfort of your home.

What to Do with the Results of the Nutrient Test?

Once you've received your vitamin deficiency test results, here are the key steps you can follow:

Understand Your Results: The report will usually show the amounts of each vitamin tested and sometimes a standard range for these amounts. Take some time to understand these details.

Consult a Professional: Any result that falls outside the normal range should be discussed with a healthcare provider.

Dietary Changes: If the deficiency is relatively minor, modifying your diet to include vitamin-rich foods may be sufficient.

Supplementation: Your doctor may sometimes prescribe vitamin supplements. It is always advisable to seek professional advice before using supplements, especially regarding the appropriate dosage.

Follow-Up Testing: Your doctor may recommend a repeat test after some time has passed since you modified your diet or started taking vitamin supplements.

Conclusion

Vitamin deficiency tests are crucial for effective health management. They provide valuable insights into your body's nutritional status, helping you make informed decisions about your diet and overall health. Regular testing, whether through your doctor or at-home kits, is essential for identifying deficiencies and adjusting your nutrition accordingly. Additionally, comprehensive health insurance can cover these tests and ensure that you receive the necessary care and guidance for maintaining optimal health.

Chest X-rays (CXR) are among the most common and valuable diagnostic tools used in health facilities to assess various ailments. But what is a chest X-ray? This fast, non-invasive procedure utilises a form of energy to create detailed images of internal chest organs, including the heart, lungs, and blood vessels.

In this blog, we will define chest X-ray, explore the conditions it can help diagnose, and discuss the potential risks associated with the test. We'll also provide guidance on how to prepare for the procedure and what to expect during and after the test. Understanding the meaning of CXR can help alleviate any concerns and ensure you are well-prepared for your next check-up.

What Can a Chest X-Ray Diagnose?

You may be asking yourself, "What will a chest X-ray show?" The answer is: quite a lot! A chest X-ray acts as a detection tool for doctors, helping them identify various issues in the chest region. Here's what it can reveal:

• Detect infections like pneumonia.
• Identify lung diseases such as tuberculosis or lung cancer.
• Check for chronic lung conditions like emphysema or cystic fibrosis.
• Spot heart problems, including heart failure.
• Look for injuries like fractured ribs.
• Assess the size and shape of the heart and blood vessels.

Chest X-rays are very useful for giving doctors a clear view of what is happening inside the chest. They can determine whether the lungs are clear or if there are any abnormalities. They can also assess and detect potential issues with the heart.

Chest X-Ray Risks

The discussion of what is a CXR would be incomplete without considering all the advantages and disadvantages of this procedure. The good news is that chest X-rays are relatively safe for patients. However, like any medical procedure, there are a few things to keep in mind:

• Radiation Exposure:

  X-rays involve a small amount of radiation. This amount is very minimal, roughly equivalent to the radiation you would receive from natural sources over the course of a day or two.

• Pregnancy Concerns:

  If you are pregnant or believe you might be pregnant, consult your doctor. They may recommend a different test to avoid any potential risk to the baby.

• False Positives

  Sometimes, what appears on an X-ray might seem concerning, even though it is not actually problematic. This can lead to unnecessary worry or additional tests.

However, it should be remembered that the benefits of performing a necessary chest X-ray usually outweigh these minor risks. Most physicians prescribe them only when they believe that the information gained will be beneficial to your health.

Additionally, many health insurance plans cover routine check-ups, which can help in the early detection of health issues. This early detection might reduce the need for multiple X-ray sessions, as any potential complications can be addressed promptly. It's a good idea to check with your insurance provider to understand your coverage for preventive care and diagnostic imaging.

How Do I Prepare for a Chest X-Ray?

A chest x-ray is generally not a complicated process. Here is some pertinent information you should know:

• Clothing:

  By choosing to dress comfortably, you will be able to move around easily. Depending on the examination recommended by the doctor, you may need to remove your clothes and wear a hospital gown for the X-ray.

• Jewellery

  Any necklaces or other pieces of metal should be removed from the chest area. These can appear on the X-ray and interfere with the results.

• Inform your doctor

  Inform your doctor if you are pregnant or think you are. Also, include any other recent diseases or signs experienced by the patient.

• No special diet

  You do not need to fast or alter your diet before the test.

• Bring your health insurance card

  This is just in case there are any questions concerning the coverage.

One important thing to note is that if you have had other X-rays or scans recently, you should inform your doctor. They might be able to use those existing images instead of performing a new X-ray, which helps minimise your exposure to radiation during treatment.

What to Expect During a Chest X-ray

Let's discuss what takes place during the actual X-ray process. Understanding what will happen can help reduce anxiety. Here's a step-by-step breakdown:

• You will need to position yourself in front of the X-ray machine. At other times, you may be required to sit or lie down.
• The technician will position you correctly and may instruct you to raise your arms or place them by your sides.
• You will need to close your mouth and breathe out slightly while the X-ray is being taken.
• The machine will photograph your chest front and side view.
• The whole process typically does not take more than a few minutes.

Results

Following your chest X-ray, a radiologist will interpret the images, look for any irregularities, and report their findings to your doctor. Your doctor will then explain the implications of the results concerning your health.

If any issues are identified, the physician will recommend appropriate next steps, which could include additional tests or starting a treatment regimen. Understanding the chest X-ray definition and results can help you take charge of your health.

Conclusion

A chest X-ray is a significant diagnostic tool used to diagnose various health conditions. By understanding the chest X-ray definition and purpose, you will feel more relaxed and less worried about the procedure. Whether you are presenting with symptoms or going in for a general health check-up, a chest X-ray is a very useful diagnostic tool. It is always advisable to consult your physician about any concerns and ensure you have adequate insurance to cover any investigations and management of diagnosed conditions.

The meaning of a heat wave is particularly relevant at the start of the summer season when temperatures begin to rise. Heat waves are periods of excessively high temperatures that can be hazardous to health. Recently, the prevalence and intensity of these events have increased, making it crucial to understand their types and preventive measures.

In this blog, we will focus on the heat wave definition, explore the impacts of heat waves, and discuss how to avoid them.

Criteria for Heat Waves by The Indian Meteorological Department (IMD)

The IMD has certain guidelines that it follows while issuing an alert for a heat wave to the public. These are the criteria that can help identify heat wave occurrence:

• Temperature Threshold:

  The IMD defines a heatwave when the highest temperature reaches 40 degrees Celsius in the plains, 37 degrees Celsius in coastal areas, and 30 degrees Celsius in hilly regions.

• Temperature Deviation

  If the maximum temperature rises 5-6 degrees Celsius above the normal rate, it is classified as a moderate heatwave. A severe heat wave is defined as a rise of more than 7 degrees Celsius.

• Duration:

  The duration of consecutive hot days also plays a critical role. A heat wave that lasts for two days or more can be particularly dangerous.

Impact of Heatwave

Heatwaves can cause discomfort, but they also impact our lives and surroundings in various ways. Here are some key effects:

• Economic impact:

  In hot climates, workers may experience reduced productivity and additional energy will be required to cool down rooms. Heatwaves also negatively impact crops and properties, which are sources of income, leading to financial losses.

• Environmental effects:

  Heatwaves are dangerous as they can lead to droughts and fires and adversely affect the lives of animals and plants. They can also accelerate the melting of glaciers and ice caps, thereby contributing to climate change.

• Social impact:

  It causes inconveniences by impacting learning institutions and preventing events from taking place. Additionally, it has the potential to increase stress and social anxiety within the community.

Health Impacts of Heat Waves

Heatwaves can have severe health impacts. A few are as follows:

• They can cause symptoms such as excessive sweating, weakness, dizziness, and nausea when the body becomes too hot.
• They can lead to a more serious condition if the body's temperature regulation fails. This is potentially fatal and requires immediate medical attention.
• Heat can cause the body to lose more fluids, leading to dehydration, which can damage the kidneys and affect overall health.

It is crucial to stay well-hydrated, avoid prolonged exposure to the sun, and rest in the shade during a heatwave to prevent such conditions. Health insurance can provide financial support for medical care if these preventive measures are insufficient and you require treatment for heat-related health issues.

How to Recover From a Heatwave?

Post-heat stroke, the body requires some time to cool down and come back to normal.

1. Stay hydrated:

   It is recommended that you drink a lot of water even when you do not feel thirsty.

2. Eat light, cool meals:

   Consume foods that are light and help cool the body, such as salads and fruits.

3. Rest and relax:

   You should give your body time to recover, especially if you have experienced symptoms of heat illness.

4. Check your home:

   Confirm that appliances are in working order.

5. Learn from the experience:

   Use your understanding to prepare for any future heat waves.

Emergency Kit for a Heatwave

In the case of heatwaves, prevention is the best cure. Below are some of the recommended items that you should include in your heatwave emergency kit:

• Water and other foods that do not easily get spoiled
• A battery-operated fan and some extra batteries are needed.
• First-aid kit
• Emergency contact list
• Medications, especially for those with chronic diseases.
• Light, loose-fitting clothing
• Sunscreen and sunglasses

Conclusion

You must know all about heatwaves to combat them. Preparation and knowledge are key to avoiding danger during hot weather. By following these tips and staying informed about heat waves, you can protect yourself from their effects. Stay cool, stay safe, and ensure your health insurance is up to date for added peace of mind.

Health is wealth – this is what we've grown up learning. If you're a planner and believe in taking care of your health, you may already have invested in health insurance plan. Or, you may be on the lookout for the perfect health policy that covers all your concerns. But what would happen if you face a health emergency and your insurance claim gets rejected? That's not something anyone wants even to imagine. To be truly prepared for such a situation, you need to know the grounds on which health insurance claims can be denied. Let's take a look at some of the questions that may pop up in your mind.

1. WHAT IF SOME OF MY DOCUMENTS ARE INCOMPLETE/MISSING, WILL MY CLAIM STILL BE PROCESSED PARTIALLY? OR WILL IT BE REJECTED?

For cashless claims, we communicate directly with the network hospital you're treated in. So, in this case, you don't need to worry about missing out on any medical document.

For reimbursement claims (in case you're treated at a non-network hospital), two scenarios can arise:

1. Non-mandatory documents are missing – We will still process your claim.
2.  Mandatory documents are missing - We will remind you about the missing documents every 15 days, i.e. on the 15th day, 30th day, 45th day and lastly on the 60th day. Post this final reminder; the claim will be rejected due to non-receipt of mandatory documents.

2. SAY I UPLOADED ALL MY MEDICAL DOCUMENTS/SENT THEM BY POST, BUT THEY DIDN'T REACH THE INSURANCE COMPANY IN TIME. DOES MY CLAIM GET REJECTED?

At ICICI Lombard, we provide a 15-day grace period for reimbursement claims. If the documents have not reached us post this grace period due to an inadvertent delay, you can contact us with the explanation for the same and resend/re-upload the documents. We will still process your claim.

3. OKAY GOT IT. WHAT IF I UNDERWENT TREATMENT FOR A CONDITION THAT'S MY POLICY DOESN'T COVER? CAN I STILL CLAIM FOR IT?

Health insurance policies have a list of exclusions that are not covered. If you've filed a claim for an ailment falling under these exclusions, then as per the policy terms and conditions this claim would not be accepted. To avoid any confusion at the time of undergoing treatment, we recommend going through the policy wordings thoroughly before purchase.

4. THAT REMINDS ME, WHAT IF A PRE-EXISTING DISEASE IS NOT DISCLOSED WHILE BUYING THE POLICY? WHY DOES THE COMPANY NEED DETAILS ABOUT SUCH CONDITIONS ANYWAY?

Utmost good faith is one of the basic principles of insurance, and all insurance contracts are built on the factor of trust between both parties. When you apply for health policy, you need to disclose the pre-existing diseases that you have, if any. It helps the insurer assess the health risk for your plan correctly. Sometimes people worry about not getting insurance due to diabetes or hypertension, and hence they don't disclose such pre-existing conditions. However, if a claim arises due to such a condition, it may be rejected due to non-disclosure.

5. WHAT ABOUT LIFESTYLE CHOICES? FOR EXAMPLE, DOES A HISTORY OF SMOKING/DRINKING AFFECT MY FUTURE HEALTH INSURANCE CLAIMS?

Lifestyle choices don't directly affect your future claims. However, there are exceptions, such as, but not limited to, alcohol consumption, which impact the admissibility of the claim.

6. ARE THERE ANY ASSUMPTIONS THAT PEOPLE MAKE WITH REGARDS TO CLAIMS, WHICH END UP BEING THE CAUSE OF CLAIM REJECTION?

Some of the common assumptions are related to alcohol, diabetes, hypertension, heart disorders, cancers etc. People think if they disclose a condition like this, their policy will be denied or claims will be rejected. Hence, they conceal such existing medical conditions while applying for insurance, as well as during hospitalization. This, in turn, may mislead the treating consultant in arriving at an appropriate diagnosis.

You might have heard—health is wealth. But what if your health is affected by an unforeseen illness or injury that requires expensive medical treatment? How will you cope with the financial burden of hospital bills, medicines, tests, and other expenses? That is where a comprehensive health insurance policy can come to your rescue.

What is Comprehensive Health Insurance?

A comprehensive medical insurance plan covers many medical emergencies and can be renewed for life. It differs vastly from a regular health insurance policy that only covers hospitalisation expenses. A comprehensive health insurance policy covers hospitalisation and other medical costs that may arise before, during, or after the hospital stay. It also offers additional benefits such as outpatient treatment, organ donor expenses, maternity benefits, and a few more.

Benefits of a Comprehensive Health Insurance Policy

Some of the benefits of buying a comprehensive health insurance policy are:

• It protects you and your family from the financial impact of medical emergencies by covering a wide range of medical expenses.
• It provides you access to advanced healthcare services at a plethora of hospitals without paying any cash.
• You can receive tax advantages under Section 80D of the Income Tax Act, 1961, for the sum you spend on medical insurance premiums for yourself, your spouse, your kids, and your parents.
• It allows you to choose the sum insured, policy term, and add-on covers per your needs and budget.
• It provides peace of mind and security by ensuring you are prepared for any unforeseen medical situation.

Why is Having a Comprehensive Health Insurance Plan Important?

Getting comprehensive health coverage is important for many reasons, some of which are:

• Healthcare costs are rising rapidly in India due to inflation, technological advancements, and lifestyle diseases. This medical plan can help you cope with these increasing costs without compromising your health or savings.
• Sudden medical emergencies can strike anyone at any time without any warning. A comprehensive medical plan can help you deal with these emergencies on time.

What Does a Comprehensive Medical Plan Cover?

A complete health insurance plan covers:

• In-patient hospitalisation: This covers the expenses incurred for more than 24 hours on account of illness, injury, or accident. It includes room rent, nursing charges, doctor's fees, medicines, tests, surgeries, etc.
• Pre-hospitalisation: It covers the expenses incurred up to 60 days before the hospital admission date. It includes consultations, tests, medicines, etc.
• Post-hospitalisation: It covers the expenses incurred up to 90 days from the hospital's discharge date. It includes follow-ups, tests, medicines, physiotherapy, etc.
• Daycare treatment: It covers the expenses incurred for certain procedures that do not require 24 hours of hospitalisation. It includes cataract surgery, dialysis, chemotherapy, radiotherapy, etc.
• Organ donor expenses: It covers the costs incurred for organ harvesting from a donor for transplantation into the insured person.
• Domiciliary hospitalisation: It covers the expenses incurred for treatment at home under certain conditions when hospitalisation is not possible or advisable.
• Outpatient treatment: It covers the expenses incurred for consultations and treatments that do not require hospitalisation. It includes dental treatment, eye care, vaccinations, etc.
• AYUSH treatment: It covers the expenses incurred for alternative therapies such as Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
• Emergency ambulance: Some medical plans with a rider also cover the expenses incurred for transportation by ambulance to the nearest hospital in case of an emergency.

Eligibility Criteria for Buying Comprehensive Health Insurance

The eligibility criteria for buying a comprehensive health insurance policy may vary from one insurer to another. However, some of the common criteria are:

• Age: The minimum age for buying a comprehensive health insurance policy is usually 18 years, and the maximum age is usually 65 years. The minimum age for covering dependent children is usually 91 days.
• Health status: The insurer may ask you to undergo certain medical tests or declare your medical history before issuing a comprehensive health insurance policy. 

How is a Comprehensive Health Insurance Premium Calculated?

The cost of a comprehensive health insurance policy is calculated based on various factors such as:

• Sum insured: It is the maximum sum your insurance company will cover for your medical bills in one year. If you choose a higher sum insured, your premium (the money you pay for the insurance) will also be higher.

• Age: The insured person's age is an essential factor affecting the premium. The older the insured person, the higher the premium.

• Health status: The health status of the insured person is another factor that affects the premium. If you have pre-existing health conditions or specific illnesses, the insurance company might make you pay a higher premium or an additional charge called a loading.

• Policy term: It is the duration for which the policy is valid. The longer the policy term, the lower the premium.

• Add-on covers: The add-on covers are optional benefits to enhance your coverage. The more add-on covers you opt for, the higher the premium.

Things to Keep in Mind While Purchasing a Comprehensive Health Insurance Policy

Some of the things that you should keep in mind while buying a comprehensive health insurance policy include:

• Review different plans from different insurers based on their coverage, benefits, exclusions, limitations, premiums, claim settlement ratio, customer reviews, etc. 
• Before buying a plan, go through the policy document carefully and comprehend all the terms and conditions, exclusions and inclusions, waiting periods and sub-limits, co-payments and deductibles. You should also check the insurer's claim process and procedure and contact details.
• Review your needs and requirements periodically, and update your comprehensive health insurance policy accordingly. You should increase or decrease your sum insured, add or remove members, opt for or cancel add-on covers, etc., per your changing needs and life stage.
• Renew your comprehensive health insurance policy on time before it expires to avoid any lapse or discontinuation of your coverage.

Among the myriad health issues individuals face, heart-related conditions are one of the most prevalent and critical. Heart ailments can strike unexpectedly, affecting people of all ages, backgrounds, and walks of life. When faced with such a daunting diagnosis, the last thing anyone should worry about is how they will manage the financial burden of medical care. This is where a health plan with heart insurance can be very helpful.

Benefits of Heart Insurance for Heart Patients

An insurance for heart patients is a particular sort of medical insurance plan that offers coverage for a multitude of heart conditions and procedures. Some of the major benefits of having a heart insurance policy are:

• It covers hospitalisation costs, surgery, diagnostic tests, medicines, and post-hospitalisation care for heart ailments.
• It provides a lump sum in case of diagnosis or undergoing any specified cardiac procedure, such as angioplasty, bypass surgery, valve replacement, etc.
• It also offers tax perks under Section 80D of the Income Tax Act of 1961.
• It gives you access to cashless treatment at network hospitals all across India.
• It allows you to avail multiple claims for the same or different conditions or procedures, subject to the exhaustion of the sum insured and the waiting period.

Why Should You Buy a Heart Patient Health Insurance Policy?

If you are at risk of developing heart problems or have a family history of cardiac diseases, you should consider buying the best health insurance for cardiac patients that you can find. Some of the reasons why you should buy a heart health insurance policy are:

• It helps you cope with the rising costs of medical inflation and the quality of healthcare services.
• It gives you peace of mind and financial security in case of a medical emergency.
• It enables you to get the best possible treatment for your heart condition without compromising your savings or lifestyle.
• It reduces your dependency and empowers you to take charge of your health.

What is Covered Under Heart Health Insurance?

Medical insurance for heart patients covers various aspects of your cardiac care, depending on the plan and the insurer. Some of the common coverages offered under heart health insurance are:

• Myocardial infarction (heart attack): This condition occurs when a clot or ruptured plaque in the coronary artery interrupts blood flow to a specific part of the heart muscle. Such an interruption can severely damage the cardiac muscle, leading to complications like cardiac arrest, arrhythmias, or heart failure.

• Congestive heart failure: It occurs when the heart cannot effectively circulate sufficient blood to fulfil the body’s requirements. This can result from various causes, such as CAD, heart attack, hypertension, valvular disease, etc. This condition can cause fatigue, swelling, coughing, or difficulty breathing.

• Arrhythmia: This is an ailment where the heart beats irregularly, too fast, or too slowly. This can affect the heart’s ability to pump blood effectively and cause complications such as fainting, stroke, or sudden death.

• Valvular heart disease: This is a condition where one or more heart valves stop functioning properly. This can lead to the reversal of blood flow, leakage through the valve, or the narrowing and stiffening of the valve. This can affect the blood flow and pressure in the heart chambers and lead to chest pain, palpitations, or shortness of breath.
• Hypertensive heart disease: This is a condition in which elevated blood pressure harms both the heart muscle and blood vessels, leading to thickening and enlargement of the heart, reduced blood flow, or arrhythmia.

• Rheumatic heart disease: It is a condition where an infection by Streptococcus bacteria causes inflammation and damage to the heart valves. This can lead to scarring and deformity of the valves, which can affect their function and cause complications such as heart failure or stroke.l

Today, when the world is filled with medical issues, keeping good health has become a priority for everyone. Life is unpredictable, and we may face health challenges that require medical attention at any time. These challenges could include ailments or conditions we were already dealing with before obtaining health insurance. This is where the role of mediclaim for pre existing diseases comes in.

Today, we will explore the critical topic of health insurance coverage for pre existing disease.

What Is Health Insurance for Pre Existing Conditions?

By definition, pre existing disease health insurance covers the medical expenses of people with health problems that existed before they applied for the policy. Pre existing conditions are illnesses or diseases the insured person was diagnosed with or treated for for up to 48 months before buying the policy. Some examples of pre existing conditions are diabetes, cancer, high blood pressure, thyroid, asthma, etc.

Thus, health insurance that covers pre existing conditions is crucial, as it enables individuals with chronic or enduring health challenges to obtain high-quality medical care while alleviating the financial burden of expensive treatments.

In the last few years, especially during the COVID-19 lockdown, when people were faced with hardships such as job loss and a dip in income, the subject of mental illnesses has come to light. From depression and anxiety to suicidal thoughts, mental health problems deserve as much attention as any physical issue. That’s where the importance of a quality mental health care plan comes in.

Mental health insurance is a sort of medical insurance that covers the costs of in-patient treatment for many mental illnesses. In India, mental health insurance coverage became mandatory for all health insurance providers after the enactment of the Mental Healthcare Act of 2017. 

What Does Mental Health Insurance Cover?

Some of the common mental illnesses that are covered by the mental healthcare plan in India are:

• Depressive disorders: These are disorders that affect your mood and cause persistent feelings of sadness, hopelessness, guilt, or loss of interest. They can also affect your appetite, sleep, energy, and concentration. 

• Bipolar disorders: These are disorders that cause extreme mood swings between highs (mania or hypomania) and lows (depression). They can also affect your energy, activity, judgement, and behaviour.

• Anxiety disorders: These are disorders that cause excessive fear, nervousness, or worry, interfering with your daily life. They can also manifest as sweating, shaking, having a fast heartbeat, or difficult breathing.

• Stress disorders: These can happen after going through something very upsetting or scary, like a significant trauma or stressful experience. They can cause symptoms such as flashbacks, nightmares, avoidance, hypervigilance, or irritability.

• Schizophrenia: These include conditions that impact one's perception of reality, leading to experiences such as hallucinations (perceiving things that do not exist), delusions (holding false beliefs unsupported by reality), or disorganised thinking (uttering confused or illogical speech and displaying erratic behaviour).

What Is Not Covered Under Mental Health Insurance?

Health insurance for mental health does not cover all mental health conditions. Some of the common exclusions that you should be aware of:

• Mental retardation: This includes a condition where the mind does not fully develop, and it usually means a person has lower intelligence. Mental retardation is not seen as a mental illness, according to the Mental Healthcare Act of 2017. Thus, it is not included in a typical health insurance for mental illness.
• Mental illness from drug abuse: This means any mental problem linked to the improper use of drugs, alcohol, or tobacco. These conditions are also excluded from mental health insurance coverage, as a natural disorder of the mind does not cause them.
• Pre-existing mental illness: Some insurance companies may impose a waiting period for covering any mental illness that was diagnosed or treated before buying the policy. This means that you may not be able to claim any expenses related to your pre-existing mental condition until the waiting period is over.

Kerala, a picturesque state in southern India, is often referred to as "God's Own Country" due to its natural beauty. It is also known for its lush green landscapes, serene backwaters, and vibrant culture. The state boasts a high literacy rate and is also renowned for its progressive policies and social indicators.

One of Kerala's remarkable achievements is its impeccable healthcare system. The state strongly emphasises public health, and its government-run hospitals and clinics provide affordable and accessible healthcare services to all its citizens. This commitment to healthcare has significantly improved the population's overall health over the past decade.

But still, premium medical services are only affordable for some. If you’re also searching for the best health insurance in Kerala, this article is for you.

Benefits of Buying Health Policy In Kerala

Some of the noted perks of getting health insurance in Kerala are as follows:

• Comprehensive Coverage: Purchasing a health policy in Kerala provides you with extensive healthcare coverage, including a whole lot of medical expenses such as hospital stays, doctor consultations, surgeries, and diagnostic tests.

• Cashless Hospitalisation: Many health insurance providers, like ICICI Lombard, allow you to get treatment for free. You can get medical treatment at network hospitals without having to pay upfront. Cashless health insurance in Kerala makes it convenient and stress-free during emergencies.

• Coverage for Pre-existing Conditions: This policy covers existing health issues after a certain waiting period.

Why Choose ICICI Lombard Health Insurance In Kerala?

Opting for medical insurance in Kerala should be one of your priorities if you’re a citizen of the region. Here are some reasons why you need it:

• Wellness and Preventive Benefits: The  offer wellness and preventive benefits, including health check-ups and discounts on diagnostic tests, promoting a proactive approach to your health.

• Quick Claim Settlement: ICICI Lombard offers a highly efficient and swift claim settlement process. They also ensure you get it promptly when you need financial support for medical expenses.

• Customised Plans: ICICI Lombard offers a diverse range of health insurance plans, enabling you to personalize your coverage to align with your specific healthcare requirements and financial constraints.

• Telemedicine Services: In an age of convenience, ICICI Lombard proudly provides telemedicine services, allowing you to consult with doctors from the comfort of your home.

Health insurance is essential for safeguarding your well-being and ensuring timely medical care when needed. While most people recognise the importance of health insurance for medical treatments, dental health is often overlooked. However, dental problems can be just as debilitating and costly as medical issues. This is where health insurance with dental coverage comes to the rescue, offering an extensive solution for your overall health. In this blog, we will delve into the world of health insurance with dental plans, exploring its significance, benefits, and how to choose the right plan for your needs.

What is a Dental Health Insurance?

Dental health insurance is a policy that’s tailored to cover the cost of dental treatments and procedures. This kind of health insurance can help you maintain your oral hygiene while preventing dental problems such as gum disease, tooth decay, or tooth loss. 

Depending on the insurer, dental insurance plans are available as a base plan, an add-on benefit, or a standalone plan. While buying this cover, make sure to check if it covers in-patient dental treatments, outpatient dental consultations, dental surgeries, root canal treatments, tooth extractions, tooth fillings, and more.

Benefits of Having a Health Insurance That Covers Dental Treatments

Do you also keep searching “best dental insurance benefits” on the internet? If so, here are the top benefits of dental insurance that covers implants.

• Cost savings: Dental treatments can be expensive, especially procedures like root canals, braces, or implants. With dental coverage, you significantly reduce the financial burden, as the insurance helps cover these costs.
• Regular check-ups: Dental insurance coverage encourages regular dental check-ups and preventive care. This proactive approach helps in the early detection of oral issues, preventing them from becoming significant problems.
• Access to quality care: With quality dental insurance, you can access a network of experienced dentists and specialised dental clinics, ensuring you receive high-quality dental care.
• Emergency coverage: Dental accidents and emergencies can happen unexpectedly. Dental insurance ensures you are financially prepared to handle these situations, whether it is a chipped tooth or a unexpected infection.

Health insurance is vital to our financial safety net, providing peace of mind and protection against unexpected medical expenses. While many of us are familiar with the basics of health insurance, there's a valuable coverage feature that is gaining increasing attention and importance: OPD.

Traditional health insurance primarily focuses on covering hospitalisation and in-patient treatments, leaving outpatient expenses like doctor's visits, diagnostic tests, and medications out of its scope. However, the rising costs of medical consultations and diagnostic procedures have made these expenses a substantial burden on individuals and families. This is where health insurance with OPD coverage steps in. Let’s begin with understanding the OPD coverage Meaning.

OPD coverage, also known as Outpatient Department coverage, is a type of health insurance that covers the costs of medical treatments and services received on an outpatient basis.

What Are Some OPD benefits?

A medical insurance with OPD coverage can bring you many advantages, such as:

• Convenience: Going to an OPD is like visiting a doctor without staying in the hospital. You can get medical help and go back home the same day.

• Cost-effective: OPD visits are usually cheaper than staying in a hospital. You don't have to pay for a hospital room and other expenses.

• Shorter Wait Times: OPDs often have shorter waiting times than emergency rooms. You can get treated faster for non-urgent health issues.
• Specialised Care: OPDs have various specialists for different health problems. You can see a doctor who specialises in your specific issue.

• Flexibility: You can choose the time for your OPD appointment, making it easier to fit into your daily routine.

• Preventive Care: Many OPDs offer preventive health check-ups. These can help you catch health problems early.

What is OPD Treatment?

In simple words, OPD treatment pertains to medical care offered to patients who do not need extended hospitalisation. It is the type of healthcare where you visit a hospital, clinic, or healthcare facility for diagnosis, treatment, or consultation with a doctor, and then you go home the same day. OPD treatment is common for many medical conditions, from routine check-ups and consultations with specialists to minor illnesses and injuries.

Common examples of OPD treatments include consultations for common colds, flu, and skin conditions, dental check-ups, vaccinations, and management of chronic diseases like diabetes or asthma.

What is Covered in ICICI Lombard Health Insurance with OPD Cover?

Provider of one of the  , ICICI Lombard covers plenty.  Some common inclusions in this coverage are:

• Outpatient Expenses: OPD in health insurance covers costs for doctor consultations, diagnostic tests, and medications you need without officially being admitted to the hospital.

• Medicine and Prescription Costs: This includes the cost of medicines prescribed by the doctor during your OPD visit.

• Preventive Health Check-ups: ICICI Lombard Health Insurance includes coverage for preventive health check-ups, helping you monitor your health regularly.

• Wellbeing program: You can access a digital platform that rewards and promotes your physical and mental wellbeing with the help of a personalised health coach service on the IL Take Care app.
• Physiotherapy sessions: You can get coverage for assessment, diagnosis and treatment of your bone and joint conditions from the network of physiotherapists.

What is Not Covered in ICICI Lombard Health Insurance with OPD Cover?

ICICI Lombard OPD cover may not apply to the following:

• Any treatments or surgeries done solely for cosmetic purposes are not covered.
• It is usually not covered if a treatment is experimental or not widely accepted in the medical community.
• Injuries resulting from extreme sports or risky activities may not be covered.
• Medical expenses resulting from illegal activities are typically not covered.
• Injuries or illnesses intentionally caused by the policyholder may not be covered.
• Generally, expenses related to normal pregnancy and childbirth may not be covered under OPD coverage. You have to buy separate maternity insurance add ons.

How Do You File a Claim for ICICI Lombard Health Insurance with OPD Cover?

To file a claim for ICICI Lombard Health Insurance with OPD cover, you need to follow the steps given below:

• Visit any network or non-network hospital or clinic and avail of the OPD service.
• Pay the bills and collect the original receipts and reports from the hospital or clinic.
• Download the claim form from ICICI Lombard’s official website or mobile app and fill it with the required details.
• Submit the claim form along with the original bills, receipts, reports, prescriptions, and other documents within the stipulated time frame for availing of the service.
• The claim will be processed and settled as soon as claim department verifies your details.

Who Should You Buy Health Insurance with OPD Coverage?

Health insurance with OPD cover is suitable for anyone who wants comprehensive coverage for their health care needs. It is especially beneficial for:

• People with pre-existing medical conditions who need frequent medical consultations.
• Patients with diabetes, asthma, thyroid, or other chronic diseases who need regular medication and monitoring.
• Patients who are immunocompromised or have a higher risk of infections and diseases.
• People who wish to avail preventive health care and wellness services.

Another reason could be our work-life itself! That, more than any other aspect of our life, has been impacted by the pandemic. Let’s focus on some of the challenges that we may be facing while working from home. A research by Michael Leiter from University of Deakin and Christina Maslach, published in 1999, identifies six areas of work life that have an impact on us. Any imbalance in these areas is bound to have an effect on us.

We’re taking a closer look at these areas marked out by the researchers and how they factor into the present day scenario, to better arrive at work from home tips that would actually work for you!

WORKLOAD

One of the assumptions about the work from home routine was that it would give us the time for personal pursuits as well. Since we no longer had to spend hours commuting or weren’t bound by office timings, we could do a lot more in the same amount of time. Cut to the present, the general feeling is that our workload has only increased. Because we’re working from home, the lines between office and after-office hours have become more blurred and in some cases, non-existent. If you feel continuously exhausted and overworked rethink the following:

• Your work schedule.
• Saying yes to everything.
• Not setting aside time where you’re doing nothing!
• Ignoring your hobbies or workout regime.

CONTROL

It’s easier to set boundaries when you’re working out of an office space. In that respect, working from home can be a challenge. You can just switch off from work the moment you walk out of the office doors. At home, it’s more difficult to completely disengage. There’s a lack of structure that leads to extremes. You either tend to master your procrastination skills or you feel the need to constantly check mails, reply to them, and answer all calls to maximize your productivity. The former creates a daunting backlog of work. The latter leaves very little time for other equally important stuff like cooking a proper meal, doing the laundry, stocking on grocery. Soon you start to feel like you no longer have a handle on things. This lack of control, too, can easily spur anxiety. Here’s how can avoid this downward spiral:

• Set aside a designated time to get off work.
• Try not to reply to mails or calls unless absolutely necessary.
• Cook yourself a proper meal- a work from home ‘tip’ we swear by!
• Do the adult stuff- like paying the bills on time and health insurance that provides adequate coverage.
• Don’t be too hard on yourself if you haven’t finished every single office task.
• Prioritize your tasks every day!

REWARD

Has your feedback been ignored? Put in long hours for a project only to see it shelved? Feel demotivated or uninspired? If yes, then this can add to the anxiety you might already be experiencing while working from home. We feel you! After all a little pat on the back goes a long way. But if you don’t see that pat coming, it’s easy to feel and believe that your work has been overlooked or gone unnoticed. Here’s what you can do about it:

• List down the projects and the work you’ve put into each, against them.
• If you don’t get to interact often with your superior(s), write a mail to him/her mentioning the above.
• Take those leaves and give yourself some TLC! This is a great way to reward yourself.

COMMUNITY

One of the biggest work-from-home challenges has been to not in give into that feeling of isolation. When you’re in the midst of people inspirations come easily, discussions bring about improvement to an idea and the banter keeps your spirits up. If you’re working home and living alone, this sense of isolation is amplified. Here’s how you can counter it:

• Ensure you are catching up with your team on a regular basis.
• Schedule calls with various stake-holders. This will help you to always be in the know and on top of developments that may be taking place in other teams.
• Appreciate good work when you see it! Drop in a short mail or text letting someone know that you really liked their work.

FAIRNESS

Do you feel that you’re not being treated fairly at work? Do other people get the appreciation that you deserve? You feel left out of discussions? It’s ok to feel all that and more! But it’s not alright to let these feelings overwhelm you to a debilitating extent. Here’s a way that will help you deal with it better:

• Talk it out! People have a blind spot at times. Pointing out your contribution or their biases in a polite manner may rectify the situation.

ICICI Lombard also provides health insurance plans like Family Health Insurance , Health Booster , Arogya Sanjeevani Policy , Corona Kavach Policy, Personal Accident Insurance  which offers people with the much needed financial backup during any medical emergencies.     

A list of terms you must know:

Personal accident insurance secures you from an unpredictable future and lets you live an anxiety free life. However, while buying a policy you may find yourself stuck with jargons, clauses, and details. Thus, stay informed and leave no stone unturned while choosing a well-tailored policy. Read on for the common terms you will come across in the policy document.

Cashless Facility

The insurer pays for all the expenses incurred during the treatment of the insured. Adhering to the policy terms and conditions, the payments are made directly to the medical service provider. It even extends to approved pre-authorization.

Premiums

The value of premiums is calculated based on sum insured, policy duration, and add-ons. Assessing your current income, future potential income, and extent of liability, you can determine the sum insured.

Companies even offer customers optimizing an insurance plan and premiums to suit their budget needs. In addition, one can even opt for additional riders to include more risks to be covered in the policy.

Benefits

A good accident insurance policy must include family benefits, daily allowance during hospitalization and child education support in case of an accident. Look out for other benefits that suit your requirements and budget needs.

Exclusions

Familiarize yourself with the exclusions and limitations for which the insurer is not liable under the policy. Some of the major exclusions that accident insurance does not cover are death, injury, illness, or disablement due to:

• Deliberate self-injury
• Suicide or attempted suicide
• Influence of intoxicating substances such as liquor or drugs
• Participation in adventure sports
• Mental or nervous disorders
• Venereal diseases
• War, nuclear perils, childbirth or pregnancy

Insurer

Nowadays, insurance companies offer a wide range of customizable accident insurance policies. You can choose an insurance provider with an impeccable track record by checking their:

• Claim settlement ratio
• Feedback response
• Customer support
• Quality rating
• Premium cost-effectiveness with respect to other companies

Better Safe than Sorry

It is never too late to opt for accident insurance even if you have a life insurance policy. It covers a gaping hole of the life insurance by offering additional coverage in case of disability. Further, no matter what the magnitude of accident, you and your family can return to the same financial condition prior to the loss. Thus, before an accident makes a huge dent in your savings, Personal Accident Insurance to make a well-informed decision. Also, don't forget to safeguard your finances with a suitable health insurance policy.

7 Common But Risky Symptoms You Should Never Ignore

Time to time, we all have our may days where we feel completely drained out, distressed and exhausted. Did you know that common health symptoms pose a greater barrier to your wellness? You can prevent the despair by being aware of potential risks some common symptoms bring with them. Be careful of the following seven risky symptoms that you may be ignoring without much thought:

Heart Beats, Wrong Reasons

If you experience extreme displeasure followed by breathing difficulty, applying pressure or holding your chest tight, you need to see the doctor. This pain can extend across the arm and trigger the tendency of feeling nauseated along with perpetual vomiting and sweating.

This could possibly be the advent of a heart attack. It could also signal a gastrointestinal reflux that implies the retraction of materials from the stomach to the oesophagus, due to poor digestion.

Throbbing Head

Headaches can cause great havoc and ruin your day. Intense headaches can be worse, almost toppling your ability to concentrate. In extreme cases, if you have frequent headaches, it could signal an aneurysm, a burst in your blood vessels, or meningitis.

Unwelcome Weight Loss

Weight Loss is not always healthy. Often this can be a great sign for trouble. Excessive weight loss in a very short time could signal serious diseases such as cancer, endocrine disorders, diabetes, parasite infections, hyperthyroidism or even depression.

Swollen Shocks

A swollen leg because of fluid accumulation may signal heart failure or thyroid inception. If there is pain at the back of the lower leg too, a blood clot could be possible. The most common way to spot irregular blood circulation is the swelling of the legs. Hence, it is extremely necessary to seek medical attention as soon as possible.

Painful Stomach Churns

We often ignore stomach aches. Prolonged pain could be potential occurrence of an aortic aneurysm or other discrepancies in the blood flow. Paired up with nausea or vomiting, this could also be a result of gall bladder stones, intestinal swelling, and appendicitis or bowel syndromes.

Tired all the time

Feeling tired is a very natural phenomenon yet sometimes this feeling means caution. Excessive fatigue could be a symptom for uterine or gastrointestinal cancer. You can also feel dreary due to thyroid, anaemia or depression. You should see the doctor when long hours of sleep are powerless in relieving you of stress.

Relentless High Fever

Please seek medical attention for temperature levels above 103 degrees Fahrenheit or if you have fever around 100 degrees for several weeks consistently. This could be due to a urinary tract infection, pneumonia, or inflammation of the heart’s lining. Meningitis, sinusitis, cancer or leukaemia could also be possible critical outcomes.

Medical treatments today demand a great share of your wallet and often we drag ourselves until the last minute of chronicity to seek medical attention. In order to save yourself from the incessant expenditures that are attached to medical treatments, it is always best to have a comprehensive medical health insurance.

ICICI Lombard provides you with the best health insurance policy. We offer different types of health insurance that include exclusive family health insurance plans, maternity insurance, super top up mediclaim policy, with several benefits etc.

Our well-packaged family health insurance plans come with dedicated wellness programs that allows you to use your wellness points against costs not covered in your base plans. Wellness points can be reimbursed against diagnostic tests, OPD expenses, dental treatments, and much more as per policy terms and conditions.  

Fallopian tube cancer or tubal cancer is a rare form of cancer in women associated with BRCA 1 and BRCA 2 gene mutations. It develops in the fallopian tubes that connect the ovaries and the uterus. Ignoring the early symptoms can eventually cause the removal of the uterus and the fallopian tubes and ovaries. Our focus should be on understanding how fallopian cancer begins and recent advancements in its diagnosis and treatment, especially in the early stages.

What is Fallopian Tube Cancer? 

The fallopian tubes are part of the female reproductive system on each side of the pelvis. Fallopian tube cancer usually begins in the tube or oviduct gland cells that carry eggs from the ovaries to the uterus. These eggs are released each month and pass out as menstrual blood if not fertilised by sperm. Studies have reported that fallopian cancer cases are rare, with only 1,500-2,000 cases reported globally to date.

Symptoms of Fallopian Tube Cancer 

Fallopian tube cancer symptoms are difficult to detect early and easy to dismiss as nothing serious. It is always worthwhile to consult a gynaecologist in case of irregular menstruation, any abnormalities related to the reproductive system, or if you have a history of cancer risk in the family. The symptoms of fallopian tube cancer usually are:

• Vaginal bleeding not associated with menstruation
• Irregular periods
• Watery or white vaginal discharge that contains blood
• Back pain
• Bleeding from the vagina after menopause
• Swelling in the lower abdomen
• Pain in the lower belly
• Constipation
• Experiencing pain during intercourse
• Fatigue
• Frequent urination
  
  

Causes of Fallopian Tube Cancer

The causes behind fallopian tube cancer are still not clear, but the cancer typically starts somewhere else in the body before spreading to the fallopian tubes as metastatic cancer. Experts say fallopian tube cancer may account for up to 70% of all epithelial ovarian cancers. The exact reason is yet to be ascertained, but women who have never given birth or breastfed a child post-delivery may have a higher chance of developing it. The risk factors behind fallopian tube cancer are:
• Women aged between 50 and 60 years are at a higher risk
• Post-menopause conditions can also lead to this disease; if not treated properly it triggers the cells of the female reproductive system to mutate
• Early menstruation (before age 12) or late menopause
• Inherited gene mutations (such as BRCA)
• A family history of ovarian or breast cancer
• Infertility or having no pregnancies
• Obesity during early adulthood

How is Fallopian Tube Cancer Diagnosed? 

It can be difficult to diagnose fallopian tube cancer as the symptoms are not discernible in the initial stages. Even so, the doctor will first enquire about any suspected symptoms based on medical history and conduct a thorough physical examination. Subsequently, the gynecologic oncologist may recommend any of the following procedures:

1. Biopsy: In this procedure, tissue in the affected area is surgically removed and sent to a pathologist to determine the presence of cancerous cells. This method can stop such cells from spreading to nearby organs. 
2. CA 125 blood test: This test measures the level of CA 125 protein that sometimes indicates the presence of ovarian cancer in the blood.
3. Pelvic examination: The doctor inserts a speculum into the vagina to inspect the cervix, uterus, ovaries, and fallopian tubes for any lump. The doctor may ask for a Pap test, whereby a thin tool is used to scrape some cells from the cervix, and the sample is sent to a pathology lab to check for cancer cells.
4. Ultrasound: In this method, high-energy sound waves are used to create echoes that form a picture of the pelvic area tissues.
5. Magnetic Resonance Imaging: This powerful technique uses magnets and radio waves to take pictures of the fallopian tubes.
6. Computed Tomography (CT) scan: This technique uses a powerful X-ray that takes detailed pictures of the interior body parts.
   

How is Fallopian Tube Cancer Treated? 

The treatment for fallopian tube cancer is similar to ovarian cancer treatment, through two main methods—surgery and chemotherapy. 

Oncologist surgeons try to remove the fallopian tubes and the uterus, cervix, ovaries, and other affected areas. Chemotherapy is suggested if surgery cannot remove all of the cancer —HIPEC (hyperthermic intraperitoneal chemotherapy). This procedure involves placing heated chemotherapy in the fallopian tube area that removes the tumour and reduces the recurrence chance. The chemotherapy drugs commonly used to kill cancer cells are carboplatin and paclitaxel. Targeted therapy treatment is mainly used to identify and attack specific cancer cells using two types of targeted therapy, tyrosine kinase inhibitors and mammalian target of rapamycin inhibitors. Researchers and scientists are still looking for ways to cure fallopian tube cancer completely, and several clinical trials are underway.

With cancer comes the burden of hefty treatment costs that eventually exhaust people’s lifetime savings, let alone the tension and anxiety of what is to become of a loved one. Hence, a health insurance plan that ensures adequate health coverage and helps to settle cancer treatment costs is highly recommended for everyone. For one, you can explore the ICICI Lombard health insurance policy and learn about the amazing benefits it provides to the insured.

Pregnancy After Fallopian Tube Cancer 

Women affected with fallopian tube cancer may fail at childbearing, but proper diagnosis and adequate treatment can address this issue. However, pregnancy becomes difficult if the patient is in the fourth stage of cancer, as the fallopian tubes, ovaries, and uterus are affected by cancer cells.

The treatment procedure comprises: 

• Surgery to remove ovaries, fallopian tubes, and uterus can negate pregnancy chances forever.
• Chemotherapy can also damage the fallopian tube by inducing early menopause. 
• However, pregnancy is possible if both ovaries are removed and the embryo and eggs are frozen before surgery. Consulting a doctor is highly recommended before conceiving to avoid any sort of risk during pregnancy.

What is thymus cancer? This is a common question exasperated patients ask their doctors. Let us find out what thymus cancer is and gain knowledge about this rare cancer type. The thymus is a small organ in the upper chest above the heart and behind the sternum (breastbone). Thymus cancer occurs when cells mutate, become malignant, and grow out of control. This cancer type is common among middle-aged adults and individuals 70 years or older.

What is Thymus Cancer? 

The thymus is a small gland that plays a vital function in maintaining the body’s immune system. The thymus produces white blood cells called lymphocytes that protect us from viral and bacterial infections. The two main types of thymus cancer are thymoma carcinoma and thymic carcinoma. Thymoma cancer is more common, grows slowly, and can spread to other body parts. Thymic carcinoma develops more quickly and also spreads to other body parts. 

Symptoms of Thymus Cancer 

Most thymus cancer patients do not show symptoms until the tumour grows large enough to start pressing on nearby organs or blood vessels in the chest. The symptoms can include persistent cough, difficulty breathing, chest pain, drooping eyelids, loss of appetite, double vision, dizziness, low red blood cell count, and unexplained weight loss. Many people develop an autoimmune disorder called myasthenia gravis (weakening of skeletal muscles) with the onset of this thymus tumour. 

How is Thymus Cancer Diagnosed? 

A thymus tumour can be detected with imaging tests such as chest X-ray, CT scan, Magnetic Resonance Imaging (MRI) Scan, Positron Emission Tomography (PET) Scan, and blood test. The doctor will enquire the patient about their health history, symptoms, risk factors, and family history regarding the disease. Once the tumour is surgically removed, the surgeon sends it to the pathologist who examines the tumour for cancerous growth. Doctors sometimes inject a special dye called contrast medium on the patient before the scan for clearer details of the image. 

The TNM staging system is used to assess the various stages of thymus cancer, from stage 1 to stage 4, based on the size of the tumour (T), spread to lymph nodes (N), and the indication of metastasis (M), or its spread to other parts of the body. Stage 1 is non-invasive, while stage 4 indicates the cancer’s spread to distant organs such as the liver or kidneys. Diagnosis is most critical as it helps healthcare professionals determine the ways to treat the cancer.