ICICI Lombard Health Insurance Cashless Network Hospital List in Tirupati, Andhra Pradesh

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• 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.

ICICI Lombard Health Insurance Cashless Network Hospital List in Tenali, Andhra Pradesh

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• 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.

ICICI Lombard Health Insurance Cashless Network Hospital List in Tanuku, Andhra Pradesh

Explore ICICI Lombard’s health insurance policies :

• Family Health Insurance
• Personal Accident Insurance 
• 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.

ICICI Lombard Health Insurance Cashless Network Hospital List in Tadepalligudem, Andhra Pradesh

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• 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.

ICICI Lombard Health Insurance Cashless Network Hospital List in Srikakulam, Andhra Pradesh

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• 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.

ICICI Lombard Health Insurance Cashless Network Hospital List in Ravulapalem, Andhra Pradesh

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• 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.

ICICI Lombard Health Insurance Cashless Network Hospital List in Rajahmundry, Andhra Pradesh

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• 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.

ICICI Lombard Health Insurance Cashless Network Hospital List in Prakasham, Andhra Pradesh

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• 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.

COVID-19 made a significant impact, but the Indian government acted fast, putting in measures like social distancing and a well-executed vaccine rollout. In just a year, they reached over 90% vaccination, a considerable achievement given the vast population and the challenges of remote living.

The CoWIN app streamlined COVID-19 vaccination documentation, providing certificates as proof of access to public places, offices, and travel. It allowed combining initial, follow-up, and booster doses into one certificate.

Accurate details on your COVID-19 vaccine certificate are crucial. Errors can make it invalid and hinder travel, especially internationally. Keep reading to discover how to make corrections in the covid vaccine certificate.

Steps to get a correction in covid vaccine certificate

Follow these simple steps to make the necessary rectifications.

• Head over to the CoWIN website and hit that sign-in button if you’ve got a profile. (Remember, registration is for first-timers only!)
• Use your mobile number to sign in, and ensure it’s the one you used during registration.
• After selecting “sign-in,” you’ll receive an OTP on that number to validate your profile. Enter the OTP in the designated field to finish the sign-in process.
• Click on “Raise an issue” and sort out your problem by choosing the correct option from the list.
• You can request corrections for personal information such as name, age, gender, photo ID, mobile number, Aadhaar Card, PAN Card, or Passport Number, as well as create a final vaccination certificate by merging multiple dose certificates.
• You can update your COVID-19 vaccine certificate with Passport details to facilitate international travel.
• You can report a number or member you don’t recognise in your CoWIN account.
• To correct information on your CoWIN certificate, go to “Raise an issue” and choose certificate correction. Remember, you can only make corrections once, so be careful.
• After updating, double-check for errors, as further changes won’t be possible.

Use government-approved apps like Arogya Setu, Umang, or DigiLocker for vaccine certificate edits. The process is consistent across these apps.

The pandemic presented a challenging period for everyone, with the government facing the monumental task of containing the virus and preserving lives. The vaccination drive emerged as a powerful tool in controlling the spread of COVID-19. However, executing such a program in a densely populated country like India was a significant feat. Managing crowds at vaccination centres became a top priority, and this is where the Beneficiary Reference ID played a critical role. Let’s discover how to find beneficiary ID for covid vaccine certificate and understand its necessity.

What is the Beneficiary Reference ID?

As the name indicates, the beneficiary reference ID is the identity assigned to beneficiaries. These beneficiaries include individuals registered on the CoWIN portal for the COVID-19 vaccine. This reference ID is a unique number, which is important for correctly identifying an individual’s vaccination record as per the portal. This number is also useful in helping individuals get their COVID-19 vaccination certificate.

How to find a Beneficiary ID for a Covid Vaccine Certificate?

• Start by navigating to the official CoWIN website at https://www.cowin.gov.in/
• Locate the "Register" button on the webpage’s top right-hand corner.
• Enter your registered mobile number; now, wait for the one-time password (OTP) that you will receive on this mobile number.
• Once the OTP arrives, enter it as requested and diligently follow the guidelines to finalise your registration.
• Upon registration, you can generate your exclusive Beneficiary ID for COVID-19 vaccination.

Documents Needed for Beneficiary ID Registration:

• Aadhaar Card
• Voter ID
• PAN Card
• Health insurance smart card
• Mahatma Gandhi NREGA Job Card
• Passport or Driving Licence
• Bank or Post Office Passbook
• Pension document
• Official ID with a photograph for Central/State Govt/PSU employees

Understanding the significance of lymphocyte levels in the bloodstream is essential, as extremely high or low counts may indicate potential health issues, prompting further medical evaluation.

Medical practitioners can learn much about your health by analysing blood test reports. These tests can tell them if you might get sick with diabetes or heart problems. They can also check how well your kidneys and liver are working. Plus, they can see if your immune system is robust by looking at a type of blood cell called lymphocytes.

Low lymphocyte levels may cause anxiety and lead to severe conditions like cancer. Nevertheless, in most cases, low lymphocytes aren’t a significant concern. Discussing your levels and recommended actions with your doctor can ease your worries.

What are lymphocytes?

Lymphocytes, white blood cells originating from the bone marrow, circulate in the bloodstream and lymphatic tissue, constituting up to 40 per cent of the total blood volume. Their primary function is bolstering the immune system and safeguarding the body from external threats, such as bacteria and viruses, that can induce infections.

What is the normal range of lymphocytes?

Normal lymphocyte levels in adults typically fall within the range of 1,000 to 4,800 per microliter of blood. If your lymphocyte count drops below 1,500 per microliter, your doctor might diagnose you with lymphopenia.

What does a high level of lymphocytes mean?

Lymphocyte counts over 4,000 may indicate lymphocytosis, often due to infections or inflammation. It can also be associated with severe conditions like leukaemia, lymphoma, stress, or medication reactions.

When do lymphocytes go bad?

Lymphocytes are considered to have “gone bad” in the following conditions-

1. Malignant transformation: Uncontrolled growth of lymphocytes leading to cancerous conditions.
2. Overactive lymphocytes: The cells mistakenly attack the body’s healthy tissues, leading to autoimmune conditions.
3. Insufficient lymphocyte activity: This weakens the immune system, making the body more prone to infections. This could be life-threatening.
4. Chronic activation: Continuous activation of lymphocytes due to recurring infections. This leads to inflammation.

Why do lymphocyte levels fluctuate?

The sudden changes in lymphocyte levels could be because of these reasons-

1. Infections, which cause lymphocyte levels to increase.
2. Certain medications, such as steroids, decrease lymphocyte production.
3. An imbalanced diet and lack of nutrition can also lead to abnormal lymphocyte production.
4. Chronic health issues or suppressed immunity can also cause abnormal levels of lymphocytes.

When to see a doctor about abnormal lymphocyte levels?

In case you have high or low levels of lymphocytes, visit a doctor for a detailed checkup and advice. High lymphocyte levels prompt doctors to identify the cause before treatment. Epstein-Barr virus, often behind this, causing mononucleosis, may be managed with OTC pain relievers and rest. Lymphocyte counts below 1,000, often due to a minor infection or flu, raise the risk of severe conditions due to an impaired immune system.

Conclusion

If lymphocytopenia is suspected, your doctor will investigate its cause by reviewing your medical history and conducting a physical examination to check for visible symptoms, including the symptoms of lymphopenia such as frequent infections, fatigue, and unexplained weight loss, and, if needed, performing flow cytometry to assess different lymphocyte types, including T-cells and B-cells.

Whether low lymphocyte levels should raise concerns depends on factors like the cause, the extent of the decline, and the presence of symptoms such as recurrent infections. Now that you have a fair idea of what level of lymphocytes is dangerous, always seek guidance from your healthcare provider, possibly discussing the relevance of health insurance, to address your worries.

Disclaimer: The information provided in this blog is for educational purposes only. Please consult a medical or nutrition professional before making any significant changes in your daily diet. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any impact or consequences resulting from the use of the information shared. 

Monocytes are white blood cells that help your immune system fight infections and inflammation. They are produced in your bone marrow and circulate in your blood and tissues. Monocytes can transform into macrophages or dendritic cells, specialised cells that destroy germs or alert other immune cells to join the fight.

But what happens when you have too many monocytes in your blood? This condition is called monocytosis, and it can indicate various health problems. In this blog post, we will explain what causes monocytosis, what is an alarming level of monocytes, and what you can do to prevent or treat it.

Causes of High Monocytes

High monocyte levels, or monocytosis, can result from several conditions:

1. Infections:

• Chronic bacterial infections: Such as tuberculosis.
• Viral infections: Including Epstein-Barr virus and cytomegalovirus.
• Parasitic infections: Like malaria.

2. Inflammatory and Autoimmune Disorders:

• Rheumatoid arthritis: A chronic inflammatory disorder affecting joints.
• Inflammatory bowel disease (IBD): Chronic inflammation of the digestive tract.
• Systemic lupus erythematosus: An autoimmune disease where the immune system attacks its own tissues.

3. Hematologic Diseases:

• Chronic myelomonocytic leukaemia (CMML): A type of cancer affecting blood-forming cells in the bone marrow.

4. Recovery from Acute Infections or Stress:

• Monocyte levels may temporarily rise during the recovery phases.

Normal Monocyte Range

The “normal” range of monocytes is 2-8% of the white blood cells available in your body. This level works out to some 200-800 monocytes in every microlitre of blood. For those unaware, a microlitre equals the size of a pinhead. This range is considered normal in the medical field. 

High Monocyte Count

If the monocyte level in your body is more than the 8% upper threshold, you could be a candidate for a monocytosis disease.

Common infections causing monocytosis include:

• Tuberculosis
• Endocarditis
• Syphilis
• Lupus
• Rheumatoid arthritis
• Inflammatory bowel disease
• Leukaemia or lymphoma 
• Myelodysplastic syndrome, or myeloproliferative neoplasm

At the other end of the spectrum, if the monocyte levels are below 2%, you could be diagnosed with monocytopenia. This condition is caused by viral infections, including measles or influenza, Sepsis, Meningitis, Aplastic anaemia, or, the use of medications such as immunosuppressants or steroids

How to Treat Monocytosis?

Treatment of monocytosis focuses on addressing the underlying condition:

1. Infections:

• Bacterial infections: Antibiotic therapy.
• Viral infections: Supportive care or antiviral medications, depending on the virus.
• Parasitic infections: Specific antiparasitic treatments.

2. Inflammatory and Autoimmune Disorders:

• Anti-inflammatory medications: corticosteroids
• Disease-modifying antirheumatic drugs (DMARDs): For conditions like rheumatoid arthritis.
• Biologic agents: Targeted therapies to modulate the immune response.

3. Hematologic Diseases:

• Chemotherapy: To target malignant cells.
• Stem cell transplantation: In certain cases of leukaemia.

4. Lifestyle Modifications:

• Stress management: Techniques like meditation or counselling.
• Nutritional support: Ensuring a balanced diet to support overall health.

Regularly monitoring the effectiveness of the treatment and following the lifestyle modifications suggested by the healthcare provider are key factors in ensuring a timely recovery from monocytosis.

Conclusion

Monocytosis and monocytopenia can be dangerous as they affect your immune system, making you vulnerable to infections or other complications. If you have an abnormal monocyte count, you should see your doctor to determine the cause and get the proper treatment, which may also be covered by your health insurance policy. You can also maintain a healthy lifestyle, such as eating well, exercising regularly, managing stress, and avoiding smoking and alcohol. Doing so can boost your immune system and prevent or reduce the risk of complications from monocytosis. Additionally, having critical illness insurance can provide financial support if a severe health condition arises, giving you peace of mind as you prioritize your health.

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

Eosinophils are unique white blood cells that support your immune system. They are part of a group called granulocytes and contain tiny granules packed with various chemicals and enzymes. These granules help eosinophils destroy or neutralise foreign invaders.

Eosinophils are formed exclusively in the bone marrow from stem cells and remain there for a week before maturing. Once in the bloodstream, they circulate briefly before entering various body tissues. Eosinophils are mainly found in the gastrointestinal tract, skin, lungs, and lymph nodes, where they survive for several days or weeks. 

However, too many or too few eosinophils in the body can indicate an underlying health problem. So, what level of eosinophils is dangerous? Let’s find out.

What is a dangerously high eosinophil count?

A high eosinophil count can vary and depends on the laboratory and the person's age and health. A count of over 500 eosinophils per microlitre of blood is considered high. However, some individuals may have higher or lower eosinophil levels without symptoms or problems.

A high eosinophil level can cause various symptoms. Again, this depends on where the eosinophils accumulate in the body. Some common symptoms of high eosinophil levels include:

• Swelling or redness of the skin
• Itching or hives
• Trouble breathing or wheezing
• Coughing or sneezing
• Abdominal pain or diarrhoea
• Fever or fatigue

A high eosinophil count can also damage the organs and tissues over time. The most affected are the lungs, heart, liver, and nerves. This condition can contribute to severe problems, such as:

• Asthma attacks or lung scarring
• Heart failure or inflammation
• Liver damage or cirrhosis
• Nerve damage or numbness
• Blood clots or bleeding

Conversely, a count of less than 100 eosinophils per microlitre of blood is below the normal range. Those with low eosinophil counts are at an increased risk of certain health conditions, such as heart failure.

Neutrophils comprise a white blood cell type that act as the body’s first line of defence, fighting off infections and healing injuries. They are the most abundant and the first to arrive at the site of infection, where they engulf and destroy harmful bacteria, viruses, fungi, and other foreign invaders. Neutrophils communicate with other immune cells and help regulate inflammation and tissue repair. Neutrophils are produced extensively in the bone marrow and circulate in the bloodstream for a few hours before they die or migrate into the tissues. Let’s look at what level of neutrophils is dangerous for the body.

What are neutrophils?

Your body’s white blood cells, also known as leukocytes, are important for your immunity. These are of two broad types – granulocytes and agranulocytes. Neutrophils are a kind of granulocyte white blood cells. They form an important component of your immune system.

What do neutrophils do?

Neutrophils, along with eosinophils and basophils, travel throughout the circulatory system to check and prevent attacks from foreign bodies like bacteria, viruses, and other infectious agents.

When disease-causing microorganisms enter our body, neutrophils fight against them. They secrete certain chemical messengers to activate other immune cells, which then ingest and destroy the foreign bodies. When your body fights against these infections, it causes redness, swelling, and inflammation.

How many neutrophils are in my body?

White blood cells contribute to 1% of the total cells in your body. Neutrophils contribute to around 50 to 70% of the total leukocytes in the human body.

Average count of neutrophils

The number of neutrophils in your blood is called the absolute neutrophil count. The average count of neutrophils found in a healthy person is around 2500 to 7000 neutrophils in one microlitre of blood. If this number goes below or above this value, you have to consult a doctor immediately.

What is an alarming level of neutrophils?

An alarming level of neutrophils implies that the number of neutrophils in the body is too high or too low. Such a condition can lead to a health problem. An absolute neutrophil count (ANC) measures the number of neutrophils in the blood. The normal range in an active adult ranges from 2,500 to 7,000 neutrophils per microliter of blood. Hence, neutrophil numbers above 7,000 or below 2,500 per microliter of blood can indicate a neutrophil-related condition.

A high neutrophil count is called neutrophilia. The possible causes of this condition are:

• Bacterial infections
• Viral infections
• Fungal infections
• Parasitic infections
• Injuries
• Stress
• Medications
• Cancers

A low neutrophil count is called neutropenia. This condition indicates that your body does not have enough neutrophils to fight infections and heal wounds. Some possible causes of neutropenia are:

• Bone marrow problems 
• Autoimmune diseases
• Medications
• Infections
• Genetic disorders

You can overcome low neutrophil levels by eating foods rich in vitamins B9 and B12, such as eggs, milk, and other dairy products.

Air contaminated by any chemical, biological, or physical agent to alter its natural characteristics is called polluted air. Air pollution is a mix of gases, tiny particles, and chemicals that damage our health. The principal sources of air pollution are household combustion devices such as stoves and burners, motor vehicles, factories and industrial facilities, and wildfires. Every year, millions of people die prematurely from air pollution diseases. Besides posing severe health risks, air pollution also permanently damages the environment. So, what are the diseases caused by air pollution? How does it affect our bodies? Let's find out.

10 diseases caused by air pollution

Let’s explore in detail the top 10 diseases caused by air pollution.

• Ischemic heart disease: The arteries get narrower in this condition, reducing blood supply to the heart. The risk of inflammation, oxidative stress, and blood clotting increases.

• Stroke: The sudden stoppage of blood flow to the brain causes brain damage, which can be fatal. Air pollution increases the risk of stroke by elevating blood pressure and damaging the blood vessels.

• COPD: Chronic Obstructive Pulmonary Disease includes chronic bronchitis and emphysema, and makes breathing difficult. Air pollution can worsen COPD by irritating the airways, causing inflammation, and impeding lung function.

• Lung cancer: Air pollution can increase the risk of lung cancer by exposing the lungs to cancer-causing materials, such as tiny particles, ozone, and benzene.

• Acute lower respiratory infections (ALRI): These are infections in the lower respiratory system and include pneumonia and bronchiolitis. ALRI is common in kids and weakens the immune system, exposing kids to viruses and bacteria, and impeding lung growth.

• Asthma: This problem narrows the airways, leading to excessive mucus production. Asthma causes wheezing, coughing, a tight chest, and trouble breathing. Air pollution can trigger asthma by irritating the airways, causing inflammation, and making the body more sensitive to allergens.

• Mesothelioma: This rare cancer attacks the lining of the lungs, chest, belly, heart, and other internal organs. Mesothelioma comes from overexposure to asbestos, a naturally occurring fibrous mineral.

• Leukaemia: This cancer affects the blood cells, causing anaemia, bleeding, infections, and damage to the organs. Air pollution can aggravate the risk of leukaemia by exposing blood cells to volatile chemicals, tobacco smoke, and industry fumes.

• Neurological disorders: Some studies suggest that breathing in polluted air might be linked to brain problems, including Alzheimer's disease and issues with memory and thinking.

• Congenital disabilities: Air pollution can raise the risk of birth problems by messing with the baby's growth, causing genetic or hormone issues.

All living creatures, including humans, need vitamins in certain amounts to keep their metabolism working smoothly. These are important micronutrients that come in two types: fat-soluble (vitamins A, D, E, and K) and water-soluble (B and C vitamins). In total, there are 13 vitamins in the human body.

Common and scientific names exist for these vitamins. Their biochemical structure and functions determine the scientific names. This blog will discuss the scientific names of vitamins, their source, and the results of their deficiency.

Scientific Names of Vitamins and Their Sources

Here's a table summarizing the common and scientific names of 13 vitamins, where they come from in our diets, their importance in human health, and the illnesses that can result from their deficiencies.

Have you ever heard of Schizophrenia? It’s a severe deal where your grip on reality goes for a toss. Imagine seeing things, believing things that aren’t real, and thoughts going haywire. It messes with your daily groove, making things pretty challenging.

In other words, this mental disorder makes individuals experience unusual perceptions/observations of reality. Often, people diagnosed with Schizophrenia demonstrate a mixture of perceptions, false beliefs, and exceptionally chaotic thinking and actions. These indications can significantly inhibit one’s daily life and have a devastating effect.

Living with Schizophrenia means ongoing treatment. Early treatment is critical — it helps keep symptoms in check and sets the stage for a better long-term outcome.

What are the Symptoms of Schizophrenia?

Schizophrenia brings a mix of challenges in thinking, behaviour, and emotions. Signs and symptoms vary but typically involve delusions, hallucinations, or disorganised speech. These signs of Schizophrenia show the ability to function normally is impaired.

• Delusions

Delusions in Schizophrenia involve false beliefs detached from reality, such as paranoia, grandiosity, or impending catastrophe, commonly experienced by those with the condition.

• Hallucinations

Schizophrenia often involves hallucinations, where individuals vividly perceive non-existent sights or sounds as if they were real, most commonly hearing voices but potentially affecting any sensory experience.

• Disorganised thinking

Disorganised speech often reflects scattered thoughts, making meaningful conversations difficult and leading to nonsensical responses. Occasionally, it can resemble a jumble of unrelated words, known as “word salad,” though this is rare.

• Extremely disorganised or abnormal motor behaviour

These manifestations can take various forms, including:

• • childlike playfulness
  • sudden restlessness
  • aimless behaviour

Such actions can hinder a person’s task performance. This may involve resistance to instructions, unusual postures, lack of response, or excessive movements.

• Negative symptoms

Negative symptoms of Schizophrenia involve a decline in normal functioning, like neglecting hygiene, showing little emotion (avoiding eye contact, having a fixed expression, or speaking monotonously), losing interest in daily activities, withdrawing socially, and losing the ability to feel joy.

With the rising cost of medicines, health care and specialist’s fees, a medical exigency can burn a hole in your pocket and cause a lot of stress especially if your finances are not in place. To get respite from all these hassles, purchasing a policy for health care insurance would be a wise choice.

A health insurance policy is an investment made to safeguard your finances and avail of optimal health care during a medical crisis. It would thus be wise to opt for a comprehensive health insurance plan as it offers wider coverage with greater benefits.

This health care insurance policy does not have any limit on maximum entry age and offers lifelong renewability. Not only that, persons below 46 years of age desirous to buy the policy are also not required to undergo any medical tests which makes the entire process of policy purchase extremely hassle-free. The policy covers all inpatient expenses arising from hospitalisation for more than 24 hours which includes room rent, doctor/surgeon’s fee, medicine charges, etc. As expenses incurred 30 days before and 60 days after hospitalisation are covered, you do not have to worry about costs of diagnostic tests, expenses towards purchase of medications as well as doctor’s fees for the follow-up during convalescence.

Cashless claim feature is the highlight of this Icici health policy as it gives the insured access to the insurer’s network of premium health care providers across the country. Your health policy not only prevents sudden financial loss during medical crises but also ensures optimal health care for the ailing. With several value added benefits like free health checkup for any of the listed illnesses, consultation with dietitian or nutritionist, along with online chat with doctor as per opted plan not only enhances policy features but can further cut down several expenses to be borne by the insured.

This health policy offers the insured the freedom to structure the premium according to this requirement. Not just that, with the online purchase facility, you are only required to fill in a few essential details so that the online calculator can generate the premium amount payable for the selected insurance cover. Payment can be made through several convenient options like Net Banking or via your Debit or Credit Cards to generate a digitally signed copy of your ICICI Lombard insurance cover.

Keeping these policy features in mind, it would be beneficial to select a comprehensive insurance cover.

Consumed world over today, this beverage, tried and tested by scientists and researchers, has been gaining favor due to its marvelous health benefits. In case you haven't joined the green tea wagon yet, here are a few reasons to make you do so:

1. Green tea makes you (believe it or not!) smarter

It's the caffeine in green tea that does this trick. But then, coffee, you say, is loaded with caffeine. Green tea contains "just the right amount" of caffeine to give your brain a mild buzz and prompt it into a focused state. Green tea also contains L-theanine. This chemical has anti-anxiety effects on the brain and it, along with caffeine, synergistically works to improve brain function and helps in concentration, memory and vigilance.

2. It lowers risk of cancers

Did You Know?

1. Green tea and black tea are made from the same plant - Camelia sinensis.
2. While black tea undergoes a lot of processing, including fermentation, green tea is hardly processed.

Green tea is rich in antioxidants like polyphenols (flavonoids, catechins) and Epigallocatechin; all pretty powerful in their activities. Now what do antioxidants do? They chelate free radicals. What did we just say? Free radicals are rogue chemical entities that form during metabolic activities. These charged entities will bind haphazardly to oppositely charged proteins and other constituents to balance their charge. This in turn destroys activity of such proteins or other cellular constituents. This may lead to cellular damage and such oxidative damage is known to cause various types of cancers.
Antioxidants seek and bind to such free radicals and do not allow them to destroy precious cellular components, thus protecting the cell from oxidative damage. Various researches have shown that green tea drinkers can cut down their risk of cancers of breast, colorectal and prostate from 22% to 57%.

3. Green tea fights against the likes of Alzheimer's and Parkinson's

Research in labs and various animal models has shown that catechins in green tea have a protective effect on neurons. Old age brings with it the risk of neuro-degenerative diseases like Alzheimer's and Parkinson's due to the death of neurotransmitter-producing neurons in the brain. Green tea, potentially, has the ability to protect neurons and lower the risk of such debilitating diseases.

4. Catechins protect your teeth from caries

Catechins in green tea also have an anti-bacterial activity. It has been shown to inhibit the growth of a bacterium, Streptococcus mutans, known to cause cavities and decay of teeth. People consuming green tea regularly are associated with better dental health and lower risk of dental caries. It is also shown to reduce bad breath.

5. It is insulin-friendly

Type 2 Diabetes affects more than 300 million people worldwide and has reached epidemic proportions. Green tea has been shown to improve insulin sensitivity (reduces insulin resistance) and regulate blood sugar levels. A study showed that individuals consuming green tea regularly had a 42% lower risk of developing Type 2 diabetes.

Green tea lowers LDL ("bad") cholesterol in the blood. This leads to enhanced protection from cardiovascular diseases.

We have many things on our must have list, whether it is a dream home or a car. But in that list one of the things that we rarely think about is our health insurance. Yet when the time of need comes and you are faced with a medical emergency, it is your health insurance that comes to your rescue. High levels of stress, erratic eating habits, lifestyle problems and pressures at work form a dominant part of our lives today. All these things contribute to ill health if not now but later in life. While a lot of us are waking up to the reality of changing our lifestyles and adopting a healthier one, we also need to make sure that we have an almost perfect family insurance. This helps our loved ones through medical emergencies without getting financially affected.

It is you who is responsible for the safety and well being of your family. As the provider it is therefore your responsibility to make sure that you cover all the aspects of your family’s safety and security. Just like you invest in your pension plans and other investments to make sure that your family is well provided for, you also need to guarantee your family’s and your health with a good health insurance plan.

A medical emergency strikes without warning. There are so many families who have been subjected to extreme financial crisis and related emotional and mental stress only because they were not prepared with the right kind of family insurance plan. Many people prefer private facilities that come with their own expense list. Hospitalisation charges, doctors and specialists fees, medical bills and other diagnostic charges amount to a good deal of money.

A major sickness, an accident or a chronic or sudden illness can leave any family paralysed. Whether it is you or a family member that has been affected, you will need to spend a lot of money on treatments and hospitalisation bills. At a time like this the last thing that you want to worry about is how to finance your medical expenses. But with a good family insurance plan you can guarantee your safety and the safety of loved ones easily.

A comprehensive family health insurance plan will give you the following benefits:

1. Hospitalisation charges including doctors and specialists fees
2. Medical bills, diagnostic charges cover
3. Cover for pre and post hospitalisation expense cover
4. Day care expense cover for advanced day carer procedures
5. Pandemic hospitalisation cover